<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             DEC-31-1999
<CASH>                                          14,793                  13,312
<INT-BEARING-DEPOSITS>                             131                     182
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    102,250                 102,451
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        250,725                 234,349
<ALLOWANCE>                                      3,325                   3,100
<TOTAL-ASSETS>                                 380,601                 362,790
<DEPOSITS>                                     285,234                 284,462
<SHORT-TERM>                                    36,600                  24,400
<LIABILITIES-OTHER>                              3,418                   2,631
<LONG-TERM>                                     12,676                  12,727
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           671                     671
<OTHER-SE>                                      40,618                  36,875
<TOTAL-LIABILITIES-AND-EQUITY>                 380,601                 362,790
<INTEREST-LOAN>                                 16,409                  19,337
<INTEREST-INVEST>                                4,708                   5,515
<INTEREST-OTHER>                                    37                     172
<INTEREST-TOTAL>                                21,155                  25,024
<INTEREST-DEPOSIT>                               8,586                  10,087
<INTEREST-EXPENSE>                              10,194                  10,974
<INTEREST-INCOME-NET>                           10,960                  14,049
<LOAN-LOSSES>                                      598                     849
<SECURITIES-GAINS>                                  46                       0
<EXPENSE-OTHER>                                  6,535                   8,361
<INCOME-PRETAX>                                  6,240                   8,414
<INCOME-PRE-EXTRAORDINARY>                       4,097                   5,621
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,097                   5,621
<EPS-BASIC>                                     1.24                    1.70
<EPS-DILUTED>                                     1.24                    1.70
<YIELD-ACTUAL>                                    4.20                    4.52
<LOANS-NON>                                        670                     390
<LOANS-PAST>                                     1,682                   1,643
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,100                   2,900
<CHARGE-OFFS>                                      651                     916
<RECOVERIES>                                       278                     267
<ALLOWANCE-CLOSE>                                3,325                   3,100
<ALLOWANCE-DOMESTIC>                             1,925                   1,800
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,400                   1,300