<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> 28,868 <INT-BEARING-DEPOSITS> 2,364 <FED-FUNDS-SOLD> 27,832 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 39,298 <INVESTMENTS-CARRYING> 9,162 <INVESTMENTS-MARKET> 9,159 <LOANS> 239,601 <ALLOWANCE> 3,914 <TOTAL-ASSETS> 356,091 <DEPOSITS> 315,973 <SHORT-TERM> 1,517 <LIABILITIES-OTHER> 4,157 <LONG-TERM> 0 <PREFERRED-MANDATORY> 8,000 <PREFERRED> 0 <COMMON> 20,029 <OTHER-SE> 6,415 <TOTAL-LIABILITIES-AND-EQUITY> 356,091 <INTEREST-LOAN> 17,690 <INTEREST-INVEST> 2,097 <INTEREST-OTHER> 1,441 <INTEREST-TOTAL> 21,228 <INTEREST-DEPOSIT> 5,509 <INTEREST-EXPENSE> 5,638 <INTEREST-INCOME-NET> 15,590 <LOAN-LOSSES> 180 <SECURITIES-GAINS> (11) <EXPENSE-OTHER> 14,274 <INCOME-PRETAX> 2,943 <INCOME-PRE-EXTRAORDINARY> 931 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 931 <EPS-BASIC> 0.24 <EPS-DILUTED> 0.23 <YIELD-ACTUAL> 6.884 <LOANS-NON> 2,650 <LOANS-PAST> 3 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,650 <ALLOWANCE-OPEN> 4,024 <CHARGE-OFFS> 363 <RECOVERIES> 72 <ALLOWANCE-CLOSE> 3,915 <ALLOWANCE-DOMESTIC> 3,915 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0