<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           7,877
<INT-BEARING-DEPOSITS>                           9,929
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<LOANS>                                        234,896
<ALLOWANCE>                                      3,503
<TOTAL-ASSETS>                                 353,533
<DEPOSITS>                                     282,143
<SHORT-TERM>                                    29,821
<LIABILITIES-OTHER>                              3,963
<LONG-TERM>                                          0
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<COMMON>                                         3,587
<OTHER-SE>                                           0
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<INTEREST-LOAN>                                 16,331
<INTEREST-INVEST>                                3,108
<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                               6,935
<INTEREST-EXPENSE>                               8,153
<INTEREST-INCOME-NET>                           11,286
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                 100
<EXPENSE-OTHER>                                 11,961
<INCOME-PRETAX>                                  5,731
<INCOME-PRE-EXTRAORDINARY>                       5,731
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<NET-INCOME>                                     4,382
<EPS-BASIC>                                       1.21
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<LOANS-NON>                                        593
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<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,302
<CHARGE-OFFS>                                       56
<RECOVERIES>                                         6
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<ALLOWANCE-DOMESTIC>                             3,503
<ALLOWANCE-FOREIGN>                                  0
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