<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          11,856
<INT-BEARING-DEPOSITS>                             350
<FED-FUNDS-SOLD>                                 4,527
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     48,288
<INVESTMENTS-CARRYING>                           3,117
<INVESTMENTS-MARKET>                             3,038
<LOANS>                                        128,958
<ALLOWANCE>                                      (1,657)
<TOTAL-ASSETS>                                 214,876
<DEPOSITS>                                     165,937
<SHORT-TERM>                                    20,000
<LIABILITIES-OTHER>                              1,245
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,192
<OTHER-SE>                                      16,628
<TOTAL-LIABILITIES-AND-EQUITY>                 214,876
<INTEREST-LOAN>                                  7,547
<INTEREST-INVEST>                                2,568
<INTEREST-OTHER>                                   331
<INTEREST-TOTAL>                                10,446
<INTEREST-DEPOSIT>                               4,291
<INTEREST-EXPENSE>                                 737
<INTEREST-INCOME-NET>                            5,418
<LOAN-LOSSES>                                      565
<SECURITIES-GAINS>                               (100)
<EXPENSE-OTHER>                                  5,306
<INCOME-PRETAX>                                    906
<INCOME-PRE-EXTRAORDINARY>                         906
<EXTRAORDINARY>                                    165
<CHANGES>                                            0
<NET-INCOME>                                       741
<EPS-BASIC>                                        .43
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    3.75
<LOANS-NON>                                        139
<LOANS-PAST>                                       548
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,284
<CHARGE-OFFS>                                      295
<RECOVERIES>                                       103
<ALLOWANCE-CLOSE>                                1,657
<ALLOWANCE-DOMESTIC>                             1,657
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0