<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          12,025
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,125
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     68,507
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        167,108
<ALLOWANCE>                                      2,769
<TOTAL-ASSETS>                                 259,700
<DEPOSITS>                                     226,819
<SHORT-TERM>                                     4,308
<LIABILITIES-OTHER>                              2,391
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,314
<OTHER-SE>                                      15,868
<TOTAL-LIABILITIES-AND-EQUITY>                 259,700
<INTEREST-LOAN>                                 10,913
<INTEREST-INVEST>                                2,783
<INTEREST-OTHER>                                   246
<INTEREST-TOTAL>                                13,942
<INTEREST-DEPOSIT>                               5,078
<INTEREST-EXPENSE>                               5,288
<INTEREST-INCOME-NET>                            8,654
<LOAN-LOSSES>                                      205
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  7,689
<INCOME-PRETAX>                                  2,466
<INCOME-PRE-EXTRAORDINARY>                       2,466
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,776
<EPS-BASIC>                                       0.84
<EPS-DILUTED>                                     0.84
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        584
<LOANS-PAST>                                         2
<LOANS-TROUBLED>                                    74
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,700
<CHARGE-OFFS>                                      210
<RECOVERIES>                                        74
<ALLOWANCE-CLOSE>                                2,769
<ALLOWANCE-DOMESTIC>                             2,769
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             61