<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  FINANCIAL  STATEMENTS DATED SEPTEMBER 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER>                                    1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           9,983
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,715
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,831
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        115,510
<ALLOWANCE>                                      2,565
<TOTAL-ASSETS>                                 180,761
<DEPOSITS>                                     154,455
<SHORT-TERM>                                     9,767
<LIABILITIES-OTHER>                                925
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,255
<OTHER-SE>                                       6,359
<TOTAL-LIABILITIES-AND-EQUITY>                 180,761
<INTEREST-LOAN>                                  7,958
<INTEREST-INVEST>                                1,697
<INTEREST-OTHER>                                   189
<INTEREST-TOTAL>                                 9,844
<INTEREST-DEPOSIT>                               3,099
<INTEREST-EXPENSE>                               3,415
<INTEREST-INCOME-NET>                            6,429
<LOAN-LOSSES>                                      135
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,329
<INCOME-PRETAX>                                    894
<INCOME-PRE-EXTRAORDINARY>                         789
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       789
<EPS-BASIC>                                       0.52
<EPS-DILUTED>                                     0.51
<YIELD-ACTUAL>                                    5.47
<LOANS-NON>                                      7,711
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,580
<CHARGE-OFFS>                                      171
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                2,565
<ALLOWANCE-DOMESTIC>                             2,565
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,311