<ARTICLE>  9



                                                    
<FISCAL-YEAR-END>                                  DEC-31-2000
<PERIOD-END>                                       DEC-31-2000
<PERIOD-TYPE>                                            9-MOS
<CASH>                                                   7,999
<INT-BEARING-DEPOSITS>                                      24
<FED-FUNDS-SOLD>                                         1,449
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             32,081
<INVESTMENTS-CARRYING>                                  16,958
<INVESTMENTS-MARKET>                                    16,718
<LOANS>                                                134,761
<ALLOWANCE>                                              1,311
<TOTAL-ASSETS>                                         202,560
<DEPOSITS>                                             172,516
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                      1,223
<LONG-TERM>                                              5,000
<COMMON>                                                    19
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<OTHER-SE>                                              23,821
<TOTAL-LIABILITIES-AND-EQUITY>                         202,560
<INTEREST-LOAN>                                          8,503
<INTEREST-INVEST>                                        2,207
<INTEREST-OTHER>                                            71
<INTEREST-TOTAL>                                        10,781
<INTEREST-DEPOSIT>                                       4,529
<INTEREST-EXPENSE>                                       4,984
<INTEREST-INCOME-NET>                                    5,797
<LOAN-LOSSES>                                               75
<SECURITIES-GAINS>                                         (49)
<EXPENSE-OTHER>                                          3,546
<INCOME-PRETAX>                                          2,972
<INCOME-PRE-EXTRAORDINARY>                               2,972
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,915
<EPS-BASIC>                                               1.00
<EPS-DILUTED>                                             1.00
<YIELD-ACTUAL>                                            4.28
<LOANS-NON>                                                190
<LOANS-PAST>                                               204
<LOANS-TROUBLED>                                           270
<LOANS-PROBLEM>                                          2,574
<ALLOWANCE-OPEN>                                         1,248
<CHARGE-OFFS>                                               45
<RECOVERIES>                                                33
<ALLOWANCE-CLOSE>                                        1,311
<ALLOWANCE-DOMESTIC>                                     1,311
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                     80