<ARTICLE> 9 <LEGEND> This schedule of financial information is extracted from the September 30, 2000 10-Q and is qualified in its entirety by reference to such 10-Q </LEGEND> <CIK> 0000796534 <NAME> J. Robert Buchanan C.F.O. 540-951-6283 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> Sep-30-2000 <CASH> 9,301 <INT-BEARING-DEPOSITS> 18,003 <FED-FUNDS-SOLD> 100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 120,190 <INVESTMENTS-CARRYING> 21,138 <INVESTMENTS-MARKET> 21,010 <LOANS> 316,388 <ALLOWANCE> 3,732 <TOTAL-ASSETS> 498,897 <DEPOSITS> 429,272 <SHORT-TERM> 10,198 <LIABILITIES-OTHER> 1,858 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,780 <OTHER-SE> 48,789 <TOTAL-LIABILITIES-AND-EQUITY> 498,897 <INTEREST-LOAN> 20,545 <INTEREST-INVEST> 6,674 <INTEREST-OTHER> 497 <INTEREST-TOTAL> 27,716 <INTEREST-DEPOSIT> 12,185 <INTEREST-EXPENSE> 12,710 <INTEREST-INCOME-NET> 15,006 <LOAN-LOSSES> 997 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 9,376 <INCOME-PRETAX> 7,496 <INCOME-PRE-EXTRAORDINARY> 7,496 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,472 <EPS-BASIC> 1.56 <EPS-DILUTED> 1.56 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0