<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at  September  30, 2000(unaudited) and the Consolidated Statements of Income for
the  nine  months  ended  September  30, 2000(unaudited) and is qualified in its
entirety  by  reference  to  such  statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars

                                     
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-START>                          JAN-01-2000
<PERIOD-END>                            SEP-30-2000
<EXCHANGE-RATE>                         1
<CASH>                                       10275
<INT-BEARING-DEPOSITS>                        4592
<FED-FUNDS-SOLD>                             20300
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  30414
<INVESTMENTS-CARRYING>                       30414
<INVESTMENTS-MARKET>                          1388
<LOANS>                                     168180
<ALLOWANCE>                                   2357
<TOTAL-ASSETS>                              241518
<DEPOSITS>                                  202294
<SHORT-TERM>                                  3500
<LIABILITIES-OTHER>                           2264
<LONG-TERM>                                  13000
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3422
<OTHER-SE>                                   17038
<TOTAL-LIABILITIES-AND-EQUITY>              241518
<INTEREST-LOAN>                              12186
<INTEREST-INVEST>                             1218
<INTEREST-OTHER>                               515
<INTEREST-TOTAL>                             13919
<INTEREST-DEPOSIT>                            5906
<INTEREST-EXPENSE>                            6570
<INTEREST-INCOME-NET>                         7349
<LOAN-LOSSES>                                  317
<SECURITIES-GAINS>                              10
<EXPENSE-OTHER>                               5379
<INCOME-PRETAX>                               2918
<INCOME-PRE-EXTRAORDINARY>                    2918
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                  2004
<EPS-BASIC>                                  .60
<EPS-DILUTED>                                  .54
<YIELD-ACTUAL>                                   5
<LOANS-NON>                                    388
<LOANS-PAST>                                   136
<LOANS-TROUBLED>                                 0
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<ALLOWANCE-OPEN>                              2163
<CHARGE-OFFS>                                  219
<RECOVERIES>                                    96
<ALLOWANCE-CLOSE>                             2357
<ALLOWANCE-DOMESTIC>                          2357
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0