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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2001
<PERIOD-END> SEP-30-2000
<CASH> 16,261,000
<INT-BEARING-DEPOSITS> 115,000
<FED-FUNDS-SOLD> 475,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 44,421,000
<INVESTMENTS-MARKET> 44,400,000
<LOANS> 251,939,000
<ALLOWANCE> 5,164,000
<TOTAL-ASSETS> 323,721,000
<DEPOSITS> 286,862,000
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,730,000
<LONG-TERM> 6,000,000
0
0
<COMMON> 5,013,000
<OTHER-SE> 23,115,000
<TOTAL-LIABILITIES-AND-EQUITY> 323,721,000
<INTEREST-LOAN> 16,918,000
<INTEREST-INVEST> 1,937,000
<INTEREST-OTHER> 98,000
<INTEREST-TOTAL> 18,953,000
<INTEREST-DEPOSIT> 6,898,000
<INTEREST-EXPENSE> 7,234,000
<INTEREST-INCOME-NET> 11,719,000
<LOAN-LOSSES> 900,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,582,000
<INCOME-PRETAX> 5,101,000
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<CHANGES> 0
<NET-INCOME> 3,584,000
<EPS-BASIC> 2.29
<EPS-DILUTED> 2.29
<YIELD-ACTUAL> 5.56
<LOANS-NON> 1,579,000
<LOANS-PAST> 399
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,483,000
<CHARGE-OFFS> 282,000
<RECOVERIES> 63,000
<ALLOWANCE-CLOSE> 5,164,000
<ALLOWANCE-DOMESTIC> 5,164,000
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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