<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           6,137
<INT-BEARING-DEPOSITS>                           3,435
<FED-FUNDS-SOLD>                                 2,657
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,648
<INVESTMENTS-CARRYING>                          62,550
<INVESTMENTS-MARKET>                            61,964
<LOANS>                                        263,954
<ALLOWANCE>                                      3,726
<TOTAL-ASSETS>                                 384,133
<DEPOSITS>                                     318,593
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              6,740
<LONG-TERM>                                     39,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,944
<OTHER-SE>                                      15,356
<TOTAL-LIABILITIES-AND-EQUITY>                 384,133
<INTEREST-LOAN>                                 16,662
<INTEREST-INVEST>                                2,172
<INTEREST-OTHER>                                 1,355
<INTEREST-TOTAL>                                20,189
<INTEREST-DEPOSIT>                              11,933
<INTEREST-EXPENSE>                              13,286
<INTEREST-INCOME-NET>                            6,903
<LOAN-LOSSES>                                    1,100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,802
<INCOME-PRETAX>                                  4,970
<INCOME-PRE-EXTRAORDINARY>                       4,970
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,407
<EPS-BASIC>                                       1.32
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                    2.98
<LOANS-NON>                                      1,028
<LOANS-PAST>                                       327
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,686
<CHARGE-OFFS>                                      171
<RECOVERIES>                                       111
<ALLOWANCE-CLOSE>                                3,726
<ALLOWANCE-DOMESTIC>                             3,726
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0