<ARTICLE>                                            9
<LEGEND>
    THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
UNAUDITED  CONSOLIDATED  STATE OF CONDITION  AT SEPTEMBER 30, 2000 AND THE
UNAUDITED CONSOLIDATED  STATEMENT OF OPERATIONS FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                    1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                         DEC-31-2000
<PERIOD-END>                              SEP-30-2000
<CASH>                                          2,301
<INT-BEARING-DEPOSITS>                          1,390
<FED-FUNDS-SOLD>                                  491
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    30,841
<INVESTMENTS-CARRYING>                         32,748
<INVESTMENTS-MARKET>                           30,841
<LOANS>                                        89,274
<ALLOWANCE>                                       262
<TOTAL-ASSETS>                                128,173
<DEPOSITS>                                     80,152
<SHORT-TERM>                                   14,000
<LIABILITIES-OTHER>                             3,628
<LONG-TERM>                                    21,100
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           19
<OTHER-SE>                                     12,184
<TOTAL-LIABILITIES-AND-EQUITY>                128,173
<INTEREST-LOAN>                                 5,057
<INTEREST-INVEST>                               1,590
<INTEREST-OTHER>                                  273
<INTEREST-TOTAL>                                6,920
<INTEREST-DEPOSIT>                              2,588
<INTEREST-EXPENSE>                              1,687
<INTEREST-INCOME-NET>                           2,645
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,339
<INCOME-PRETAX>                                 1,702
<INCOME-PRE-EXTRAORDINARY>                      1,702
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,272
<EPS-BASIC>                                      1.08
<EPS-DILUTED>                                    1.07
<YIELD-ACTUAL>                                  14.69
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  262
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                   0
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           262