<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE 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 FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           8,989
<INT-BEARING-DEPOSITS>                          12,118
<FED-FUNDS-SOLD>                                 6,095
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    148,027
<INVESTMENTS-CARRYING>                          53,046
<INVESTMENTS-MARKET>                            51,885
<LOANS>                                        162,187
<ALLOWANCE>                                      2,368
<TOTAL-ASSETS>                                 406,890
<DEPOSITS>                                     365,442
<SHORT-TERM>                                     1,737
<LIABILITIES-OTHER>                              2,420
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,800
<OTHER-SE>                                      26,491
<TOTAL-LIABILITIES-AND-EQUITY>                 406,890
<INTEREST-LOAN>                                  9,554
<INTEREST-INVEST>                                8,753
<INTEREST-OTHER>                                   478
<INTEREST-TOTAL>                                18,785
<INTEREST-DEPOSIT>                              10,072
<INTEREST-EXPENSE>                              10,103
<INTEREST-INCOME-NET>                            8,682
<LOAN-LOSSES>                                      280
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,570
<INCOME-PRETAX>                                  3,150
<INCOME-PRE-EXTRAORDINARY>                       2,754
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,754
<EPS-BASIC>                                       1.38
<EPS-DILUTED>                                     1.38
<YIELD-ACTUAL>                                    3.57
<LOANS-NON>                                        172
<LOANS-PAST>                                        66
<LOANS-TROUBLED>                                 1,216
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,352
<CHARGE-OFFS>                                      148
<RECOVERIES>                                        74
<ALLOWANCE-CLOSE>                                2,368
<ALLOWANCE-DOMESTIC>                             2,368
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350