<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-END> Sep-30-2000 <CASH> 11813 <INT-BEARING-DEPOSITS> 1257 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 132653 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 298588 <ALLOWANCE> 3974 <TOTAL-ASSETS> 465802 <DEPOSITS> 345566 <SHORT-TERM> 52787 <LIABILITIES-OTHER> 2943 <LONG-TERM> 23394 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3045 <OTHER-SE> 38067 <TOTAL-LIABILITIES-AND-EQUITY> 465802 <INTEREST-LOAN> 18359 <INTEREST-INVEST> 5634 <INTEREST-OTHER> 96 <INTEREST-TOTAL> 24089 <INTEREST-DEPOSIT> 10111 <INTEREST-EXPENSE> 2995 <INTEREST-INCOME-NET> 10983 <LOAN-LOSSES> 573 <SECURITIES-GAINS> 238 <EXPENSE-OTHER> 9556 <INCOME-PRETAX> 4468 <INCOME-PRE-EXTRAORDINARY> 4468 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3680 <EPS-BASIC> 1.36 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 7.82 <LOANS-NON> 824 <LOANS-PAST> 1015 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3859 <CHARGE-OFFS> 571 <RECOVERIES> 113 <ALLOWANCE-CLOSE> 3974 <ALLOWANCE-DOMESTIC> 3974 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0