<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 8,547 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 39,669 <INVESTMENTS-CARRYING> 27,325 <INVESTMENTS-MARKET> 26,762 <LOANS> 204,205 <ALLOWANCE> 1,823 <TOTAL-ASSETS> 288,551 <DEPOSITS> 225,276 <SHORT-TERM> 15,584 <LIABILITIES-OTHER> 4,405 <LONG-TERM> 27,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 253 <OTHER-SE> 16,033 <TOTAL-LIABILITIES-AND-EQUITY> 288,551 <INTEREST-LOAN> 10,993 <INTEREST-INVEST> 3,499 <INTEREST-OTHER> 266 <INTEREST-TOTAL> 14,758 <INTEREST-DEPOSIT> 5,876 <INTEREST-EXPENSE> 8,106 <INTEREST-INCOME-NET> 6,652 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 5,085 <INCOME-PRETAX> 2,798 <INCOME-PRE-EXTRAORDINARY> 2,009 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,009 <EPS-BASIC> .82 <EPS-DILUTED> .81 <YIELD-ACTUAL> 7.14 <LOANS-NON> 0 <LOANS-PAST> 335 <LOANS-TROUBLED> 27 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,798 <CHARGE-OFFS> 46 <RECOVERIES> 26 <ALLOWANCE-CLOSE> 1,823 <ALLOWANCE-DOMESTIC> 1,823 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 63