<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 37,092 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,346 <INVESTMENTS-CARRYING> 11,174 <INVESTMENTS-MARKET> 17,381 <LOANS> 213,217 <ALLOWANCE> 2,717 <TOTAL-ASSETS> 293,974 <DEPOSITS> 261,282 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,392 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,804 <OTHER-SE> 17,496 <TOTAL-LIABILITIES-AND-EQUITY> 293,974 <INTEREST-LOAN> 19,494 <INTEREST-INVEST> 1,223 <INTEREST-OTHER> 817 <INTEREST-TOTAL> 21,534 <INTEREST-DEPOSIT> 7,997 <INTEREST-EXPENSE> 8,059 <INTEREST-INCOME-NET> 13,475 <LOAN-LOSSES> 400 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 25,242 <INCOME-PRETAX> 2,150 <INCOME-PRE-EXTRAORDINARY> 2,150 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,181 <EPS-BASIC> 0.47 <EPS-DILUTED> 0.47 <YIELD-ACTUAL> 6.31 <LOANS-NON> 2,237 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,748 <ALLOWANCE-OPEN> 2,610 <CHARGE-OFFS> 391 <RECOVERIES> 98 <ALLOWANCE-CLOSE> 2,717 <ALLOWANCE-DOMESTIC> 2,541 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 176