<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q.


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          15,363
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,842
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        216,187
<ALLOWANCE>                                      1,920
<TOTAL-ASSETS>                                 301,597
<DEPOSITS>                                     247,013
<SHORT-TERM>                                     1,588
<LIABILITIES-OTHER>                              4,707
<LONG-TERM>                                     25,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,582
<OTHER-SE>                                      18,707
<TOTAL-LIABILITIES-AND-EQUITY>                 301,597
<INTEREST-LOAN>                                 14,862
<INTEREST-INVEST>                                2,348
<INTEREST-OTHER>                                     7
<INTEREST-TOTAL>                                17,217
<INTEREST-DEPOSIT>                               6,499
<INTEREST-EXPENSE>                               7,814
<INTEREST-INCOME-NET>                            9,403
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                  7,764
<INCOME-PRETAX>                                  3,368
<INCOME-PRE-EXTRAORDINARY>                       3,368
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,439
<EPS-BASIC>                                       1.26
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                    5.20
<LOANS-NON>                                        939
<LOANS-PAST>                                       729
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,529
<ALLOWANCE-OPEN>                                 2,132
<CHARGE-OFFS>                                      799
<RECOVERIES>                                       137
<ALLOWANCE-CLOSE>                                1,920
<ALLOWANCE-DOMESTIC>                             1,446
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            474