<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.


<MULTIPLIER>                                   1000

                                      
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  SEP-30-2000
<CASH>                                          9,925
<INT-BEARING-DEPOSITS>                             83
<FED-FUNDS-SOLD>                                2,350
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    78,917
<INVESTMENTS-CARRYING>                          7,482
<INVESTMENTS-MARKET>                            7,642
<LOANS>                                       214,760
<ALLOWANCE>                                     3,334
<TOTAL-ASSETS>                                325,566
<DEPOSITS>                                    248,389
<SHORT-TERM>                                    9,202
<LIABILITIES-OTHER>                             5,757
<LONG-TERM>                                    33,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          180
<OTHER-SE>                                     29,038
<TOTAL-LIABILITIES-AND-EQUITY>                325,566
<INTEREST-LOAN>                                13,451
<INTEREST-INVEST>                               4,301
<INTEREST-OTHER>                                   14
<INTEREST-TOTAL>                               17,766
<INTEREST-DEPOSIT>                              6,188
<INTEREST-EXPENSE>                              8,010
<INTEREST-INCOME-NET>                           9,756
<LOAN-LOSSES>                                     335
<SECURITIES-GAINS>                                  2
<EXPENSE-OTHER>                                 7,343
<INCOME-PRETAX>                                 3,956
<INCOME-PRE-EXTRAORDINARY>                      3,956
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,851
<EPS-BASIC>                                      1.71
<EPS-DILUTED>                                    1.70
<YIELD-ACTUAL>                                   4.47
<LOANS-NON>                                       556
<LOANS-PAST>                                       19
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,344
<CHARGE-OFFS>                                     537
<RECOVERIES>                                      192
<ALLOWANCE-CLOSE>                               3,334
<ALLOWANCE-DOMESTIC>                            3,334
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           868