<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-QSB FOR THE COMPANY FOR THE PERIOD ENDED  SEPTEMBER
30,  2000  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO THE  FINANCIAL
STATEMENTS AND OTHER INFORMATION CONTAINED IN THAT REPORT.

<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  SEP-30-2000
<CASH>                                              6,945
<INT-BEARING-DEPOSITS>                                128
<FED-FUNDS-SOLD>                                    7,250
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        73,220
<INVESTMENTS-CARRYING>                              7,232
<INVESTMENTS-MARKET>                                7,294
<LOANS>                                           165,785
<ALLOWANCE>                                         1,725
<TOTAL-ASSETS>                                    274,207
<DEPOSITS>                                        212,815
<SHORT-TERM>                                       13,185
<LIABILITIES-OTHER>                                 3,035
<LONG-TERM>                                        20,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                            8,696
<OTHER-SE>                                         16,476
<TOTAL-LIABILITIES-AND-EQUITY>                    274,207
<INTEREST-LOAN>                                    10,192
<INTEREST-INVEST>                                   3,598
<INTEREST-OTHER>                                      142
<INTEREST-TOTAL>                                   13,932
<INTEREST-DEPOSIT>                                  3,838
<INTEREST-EXPENSE>                                  4,973
<INTEREST-INCOME-NET>                               8,959
<LOAN-LOSSES>                                         325
<SECURITIES-GAINS>                                     (1)
<EXPENSE-OTHER>                                     7,046
<INCOME-PRETAX>                                     4,257
<INCOME-PRE-EXTRAORDINARY>                          4,257
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        3,205
<EPS-BASIC>                                          1.84
<EPS-DILUTED>                                        1.83
<YIELD-ACTUAL>                                       5.37
<LOANS-NON>                                           181
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    1,453
<CHARGE-OFFS>                                          93
<RECOVERIES>                                           40
<ALLOWANCE-CLOSE>                                   1,725
<ALLOWANCE-DOMESTIC>                                  585
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                             1,141