<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>                                          4,711
<INT-BEARING-DEPOSITS>                            553
<FED-FUNDS-SOLD>                               11,637
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   163,154
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       290,331
<ALLOWANCE>                                     1,956
<TOTAL-ASSETS>                                490,054
<DEPOSITS>                                    406,408
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                            13,263
<LONG-TERM>                                    29,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        3,780
<OTHER-SE>                                     37,604
<TOTAL-LIABILITIES-AND-EQUITY>                490,054
<INTEREST-LOAN>                                16,796
<INTEREST-INVEST>                               7,774
<INTEREST-OTHER>                                  233
<INTEREST-TOTAL>                               24,802
<INTEREST-DEPOSIT>                             10,447
<INTEREST-EXPENSE>                              1,375
<INTEREST-INCOME-NET>                          12,980
<LOAN-LOSSES>                                     225
<SECURITIES-GAINS>                               (107)
<EXPENSE-OTHER>                                 7,566
<INCOME-PRETAX>                                 7,365
<INCOME-PRE-EXTRAORDINARY>                      7,365
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    5,038
<EPS-BASIC>                                      1.68
<EPS-DILUTED>                                    1.68
<YIELD-ACTUAL>                                      0
<LOANS-NON>                                        88
<LOANS-PAST>                                    1,326
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                2,366
<CHARGE-OFFS>                                     650
<RECOVERIES>                                       15
<ALLOWANCE-CLOSE>                               1,956
<ALLOWANCE-DOMESTIC>                            1,956
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0