<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 2000 THIRD
QUARTER 10-Q.

<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           4,732
<INT-BEARING-DEPOSITS>                              31
<FED-FUNDS-SOLD>                                 3,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,141
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         87,488
<ALLOWANCE>                                      1,068
<TOTAL-ASSETS>                                 110,705
<DEPOSITS>                                      73,280
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,412
<LONG-TERM>                                     23,471
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,990
<OTHER-SE>                                       9,552
<TOTAL-LIABILITIES-AND-EQUITY>                 110,705
<INTEREST-LOAN>                                  5,306
<INTEREST-INVEST>                                  542
<INTEREST-OTHER>                                    56
<INTEREST-TOTAL>                                 5,904
<INTEREST-DEPOSIT>                               1,847
<INTEREST-EXPENSE>                               2,768
<INTEREST-INCOME-NET>                            3,136
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,937
<INCOME-PRETAX>                                  1,777
<INCOME-PRE-EXTRAORDINARY>                       1,237
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,237
<EPS-BASIC>                                       2.07
<EPS-DILUTED>                                     2.05
<YIELD-ACTUAL>                                    4.26
<LOANS-NON>                                         15
<LOANS-PAST>                                       107
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,055
<CHARGE-OFFS>                                       10
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                1,068
<ALLOWANCE-DOMESTIC>                               571
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            497