<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-1-2000 <PERIOD-END> SEP-30-2000 <CASH> 16,811 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 12,468 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 106,341 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 475,472 <ALLOWANCE> 3,813 <TOTAL-ASSETS> 640,527 <DEPOSITS> 482,420 <SHORT-TERM> 63,627 <LIABILITIES-OTHER> 4,361 <LONG-TERM> 40,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 45 <OTHER-SE> 50,074 <TOTAL-LIABILITIES-AND-EQUITY> 640,527 <INTEREST-LOAN> 28,100 <INTEREST-INVEST> 6,004 <INTEREST-OTHER> 779 <INTEREST-TOTAL> 34,883 <INTEREST-DEPOSIT> 13,337 <INTEREST-EXPENSE> 18,695 <INTEREST-INCOME-NET> 16,188 <LOAN-LOSSES> 48 <SECURITIES-GAINS> 16 <EXPENSE-OTHER> 14,173 <INCOME-PRETAX> 7,128 <INCOME-PRE-EXTRAORDINARY> 4,562 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,562 <EPS-BASIC> 1.02 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 3.51 <LOANS-NON> 1,627 <LOANS-PAST> 258 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,860 <CHARGE-OFFS> 155 <RECOVERIES> 60 <ALLOWANCE-CLOSE> 3,813 <ALLOWANCE-DOMESTIC> 3,813 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0