<ARTICLE>                                            9
<MULTIPLIER>                                 1,000

                                                 
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>               DEC-31-2000            DEC-31-1999
<PERIOD-START>                  JUL-31-2000            JUL-31-1999
<PERIOD-END>                    SEP-30-2000            SEP-30-1999
<CASH>                             21,638                  15,028
<INT-BEARING-DEPOSITS>                  0                       0
<FED-FUNDS-SOLD>                        0                       0
<TRADING-ASSETS>                        0                       0
<INVESTMENTS-HELD-FOR-SALE>        80,871                  81,173
<INVESTMENTS-CARRYING>             17,742                  21,349
<INVESTMENTS-MARKET>                    0                       0
<LOANS>                           341,408                 327,032
<ALLOWANCE>                         3,976                   3,878
<TOTAL-ASSETS>                    493,940                 473,669
<DEPOSITS>                        360,437                 355,746
<SHORT-TERM>                       51,484                  37,689
<LIABILITIES-OTHER>                 3,714                   3,690
<LONG-TERM>                        32,404                  32,541
<PREFERRED-MANDATORY>                   0                       0
<PREFERRED>                             0                       0
<COMMON>                            3,718                   3,705
<OTHER-SE>                         42,183                  40,555
<TOTAL-LIABILITIES-AND-EQUITY>    493,940                 473,669
<INTEREST-LOAN>                     8,096                   7,474
<INTEREST-INVEST>                   1,611                   1,619
<INTEREST-OTHER>                        0                       7
<INTEREST-TOTAL>                    9,734                   9,107
<INTEREST-DEPOSIT>                  3,991                   3,417
<INTEREST-EXPENSE>                  5,183                   4,192
<INTEREST-INCOME-NET>               4,551                   4,915
<LOAN-LOSSES>                         239                     122
<SECURITIES-GAINS>                    (19)                      0
<EXPENSE-OTHER>                     4,825                   3,852
<INCOME-PRETAX>                       922                   2,396
<INCOME-PRE-EXTRAORDINARY>            695                   1,550
<EXTRAORDINARY>                         0                       0
<CHANGES>                               0                       0
<NET-INCOME>                          695                   1,550
<EPS-BASIC>                          0.19                    0.42
<EPS-DILUTED>                        0.19                    0.42
<YIELD-ACTUAL>                       4.14                    4.58
<LOANS-NON>                         1,862                     655
<LOANS-PAST>                        1,877                     444
<LOANS-TROUBLED>                        0                       0
<LOANS-PROBLEM>                     8,176                   8,536
<ALLOWANCE-OPEN>                    3,898                   3,822
<CHARGE-OFFS>                         249                     192
<RECOVERIES>                           88                     126
<ALLOWANCE-CLOSE>                   3,976                   3,878
<ALLOWANCE-DOMESTIC>                3,976                   3,878
<ALLOWANCE-FOREIGN>                     0                       0
<ALLOWANCE-UNALLOCATED>                 0                       0