<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 12,352 <INT-BEARING-DEPOSITS> 1,100 <FED-FUNDS-SOLD> 1,925 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 58,734 <INVESTMENTS-CARRYING> 17,184 <INVESTMENTS-MARKET> 17,270 <LOANS> 441,983 <ALLOWANCE> 5,213 <TOTAL-ASSETS> 553,888 <DEPOSITS> 435,156 <SHORT-TERM> 42,295 <LIABILITIES-OTHER> 9,007 <LONG-TERM> 24,149 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,560 <OTHER-SE> 39,721 <TOTAL-LIABILITIES-AND-EQUITY> 553,888 <INTEREST-LOAN> 29,810 <INTEREST-INVEST> 3,340 <INTEREST-OTHER> 229 <INTEREST-TOTAL> 33,379 <INTEREST-DEPOSIT> 14,871 <INTEREST-EXPENSE> 17,440 <INTEREST-INCOME-NET> 15,939 <LOAN-LOSSES> 1,165 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,933 <INCOME-PRETAX> 4,359 <INCOME-PRE-EXTRAORDINARY> 4,359 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,142 <EPS-BASIC> .89 <EPS-DILUTED> .89 <YIELD-ACTUAL> 4.15 <LOANS-NON> 2,681 <LOANS-PAST> 3,938 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 530 <ALLOWANCE-OPEN> 5,055 <CHARGE-OFFS> 1,195 <RECOVERIES> 188 <ALLOWANCE-CLOSE> 5,213 <ALLOWANCE-DOMESTIC> 3,752 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,461