<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-Q
for the period ended September 30, 2000 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 11,322
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 8,197
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 78,758
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 301,698
<ALLOWANCE> 3,018
<TOTAL-ASSETS> 429,878
<DEPOSITS> 364,412
<SHORT-TERM> 29,241
<LIABILITIES-OTHER> 2,311
<LONG-TERM> 0
<COMMON> 7,069
0
0
<OTHER-SE> 26,845
<TOTAL-LIABILITIES-AND-EQUITY> 429,878
<INTEREST-LOAN> 18,793
<INTEREST-INVEST> 3,707
<INTEREST-OTHER> 579
<INTEREST-TOTAL> 23,079
<INTEREST-DEPOSIT> 9,828
<INTEREST-EXPENSE> 10,986
<INTEREST-INCOME-NET> 12,093
<LOAN-LOSSES> 327
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 10,245
<INCOME-PRETAX> 4,075
<INCOME-PRE-EXTRAORDINARY> 2,701
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,701
<EPS-BASIC> .37
<EPS-DILUTED> .36
<YIELD-ACTUAL> 4.23
<LOANS-NON> 447
<LOANS-PAST> 0<F1>
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,849
<CHARGE-OFFS> 184
<RECOVERIES> 26
<ALLOWANCE-CLOSE> 3,018
<ALLOWANCE-DOMESTIC> 3,018
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
<FN>
(1) Items are only disclosed on an annual basis in the Company"s Form 10-K,
and are, therefore, not included in this Financial Data Schedule.
</FN>
</TABLE>
