<ARTICLE> 9 <MULTIPLIER> 1,000 <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> 22,511 <INT-BEARING-DEPOSITS> 30,432 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 1,478 <INVESTMENTS-HELD-FOR-SALE> 71,154 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 274,206 <ALLOWANCE> 4,119 <TOTAL-ASSETS> 418,857 <DEPOSITS> 355,084 <SHORT-TERM> 5,107 <LIABILITIES-OTHER> 3,394 <LONG-TERM> 14,628 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,824 <OTHER-SE> 14,820 <TOTAL-LIABILITIES-AND-EQUITY> 418,857 <INTEREST-LOAN> 18,206 <INTEREST-INVEST> 3,457 <INTEREST-OTHER> 712 <INTEREST-TOTAL> 22,374 <INTEREST-DEPOSIT> 7,326 <INTEREST-EXPENSE> 8,495 <INTEREST-INCOME-NET> 13,879 <LOAN-LOSSES> 1,410 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,569 <INCOME-PRETAX> 6,432 <INCOME-PRE-EXTRAORDINARY> 6,432 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,110 <EPS-BASIC> 0.54 <EPS-DILUTED> 0.53 <YIELD-ACTUAL> 8.57 <LOANS-NON> 1,082 <LOANS-PAST> 207 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,469 <CHARGE-OFFS> 828 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 4,119 <ALLOWANCE-DOMESTIC> 4,119 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0