<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 2555 <INT-BEARING-DEPOSITS> 2080 <FED-FUNDS-SOLD> 5575 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28738 <INVESTMENTS-CARRYING> 8673 <INVESTMENTS-MARKET> 8634 <LOANS> 64223 <ALLOWANCE> 1124 <TOTAL-ASSETS> 116952 <DEPOSITS> 103815 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1004 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 575 <OTHER-SE> 11558 <TOTAL-LIABILITIES-AND-EQUITY> 116952 <INTEREST-LOAN> 4380 <INTEREST-INVEST> 1699 <INTEREST-OTHER> 555 <INTEREST-TOTAL> 6634 <INTEREST-DEPOSIT> 3655 <INTEREST-EXPENSE> 3655 <INTEREST-INCOME-NET> 2979 <LOAN-LOSSES> 104 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1962 <INCOME-PRETAX> 1455 <INCOME-PRE-EXTRAORDINARY> 1455 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1039 <EPS-BASIC> 9.05 <EPS-DILUTED> 9.05 <YIELD-ACTUAL> 3.48 <LOANS-NON> 0 <LOANS-PAST> 149 <LOANS-TROUBLED> 180 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1029 <CHARGE-OFFS> 68 <RECOVERIES> 59 <ALLOWANCE-CLOSE> 1124 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0