<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           5,931
<INT-BEARING-DEPOSITS>                              34
<FED-FUNDS-SOLD>                                   630
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                           1,805
<INVESTMENTS-MARKET>                            28,576
<LOANS>                                        197,953
<ALLOWANCE>                                     (1,722)
<TOTAL-ASSETS>                                 196,231
<DEPOSITS>                                     182,717
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                              1,654
<LONG-TERM>                                     31,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           200
<OTHER-SE>                                      21,539
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<INTEREST-LOAN>                                 12,330
<INTEREST-INVEST>                                1,312
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                13,642
<INTEREST-DEPOSIT>                               5,887
<INTEREST-EXPENSE>                               7,242
<INTEREST-INCOME-NET>                            6,400
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                 (10)
<EXPENSE-OTHER>                                  5,051
<INCOME-PRETAX>                                  2,324
<INCOME-PRE-EXTRAORDINARY>                       2,324
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<NET-INCOME>                                     1,551
<EPS-BASIC>                                     2.08
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<YIELD-ACTUAL>                                    8.85
<LOANS-NON>                                      1,318
<LOANS-PAST>                                         0
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<LOANS-PROBLEM>                                  2,505
<ALLOWANCE-OPEN>                                 1,628
<CHARGE-OFFS>                                      416
<RECOVERIES>                                       286
<ALLOWANCE-CLOSE>                                1,723
<ALLOWANCE-DOMESTIC>                             1,723
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0