<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 5910 <INT-BEARING-DEPOSITS> 41186 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 67258 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 180154 <ALLOWANCE> 2716 <TOTAL-ASSETS> 303945 <DEPOSITS> 229614 <SHORT-TERM> 18331 <LIABILITIES-OTHER> 3908 <LONG-TERM> 24282 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3057 <OTHER-SE> 24753 <TOTAL-LIABILITIES-AND-EQUITY> 303945 <INTEREST-LOAN> 11654 <INTEREST-INVEST> 4547 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 16201 <INTEREST-DEPOSIT> 6551 <INTEREST-EXPENSE> 8325 <INTEREST-INCOME-NET> 7876 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5043 <INCOME-PRETAX> 3768 <INCOME-PRE-EXTRAORDINARY> 3768 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2864 <EPS-BASIC> .94 <EPS-DILUTED> .94 <YIELD-ACTUAL> 7.9 <LOANS-NON> 737 <LOANS-PAST> 1214 <LOANS-TROUBLED> 6051 <LOANS-PROBLEM> 754 <ALLOWANCE-OPEN> 2505 <CHARGE-OFFS> 60 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 2716 <ALLOWANCE-DOMESTIC> 2716 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0