<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 5,589 <INT-BEARING-DEPOSITS> 135 <FED-FUNDS-SOLD> 7,280 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,206 <INVESTMENTS-CARRYING> 483 <INVESTMENTS-MARKET> 478 <LOANS> 134,610 <ALLOWANCE> 1,218 <TOTAL-ASSETS> 233,248 <DEPOSITS> 163,054 <SHORT-TERM> 13,128 <LIABILITIES-OTHER> 1,245 <LONG-TERM> 34,577 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 147 <OTHER-SE> 21,097 <TOTAL-LIABILITIES-AND-EQUITY> 233,248 <INTEREST-LOAN> 7,665 <INTEREST-INVEST> 4,134 <INTEREST-OTHER> 416 <INTEREST-TOTAL> 12,215 <INTEREST-DEPOSIT> 3,947 <INTEREST-EXPENSE> 6,094 <INTEREST-INCOME-NET> 6,121 <LOAN-LOSSES> 100 <SECURITIES-GAINS> (61) <EXPENSE-OTHER> 4,239 <INCOME-PRETAX> 3,133 <INCOME-PRE-EXTRAORDINARY> 3,133 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,004 <EPS-BASIC> 1.35 <EPS-DILUTED> 1.35 <YIELD-ACTUAL> 7.4 <LOANS-NON> 244 <LOANS-PAST> 28 <LOANS-TROUBLED> 11 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,160 <CHARGE-OFFS> 61 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 1,218 <ALLOWANCE-DOMESTIC> 1,218 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0