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<TABLE> <S> <C>
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<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 13,241
<INT-BEARING-DEPOSITS> 0
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<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 20,200
<INVESTMENTS-CARRYING> 15,341
<INVESTMENTS-MARKET> 15,159
<LOANS> 321,708
<ALLOWANCE> 3,287
<TOTAL-ASSETS> 382,404
<DEPOSITS> 314,279
<SHORT-TERM> 31,523
<LIABILITIES-OTHER> 3,624
<LONG-TERM> 0
0
0
<COMMON> 347
<OTHER-SE> 32,631
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<INTEREST-TOTAL> 20,748
<INTEREST-DEPOSIT> 8,816
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<LOAN-LOSSES> 144
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,960
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<EPS-BASIC> 1.21
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<RECOVERIES> 4
<ALLOWANCE-CLOSE> 3,287
<ALLOWANCE-DOMESTIC> 3,287
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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