<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL STATEMENTS AND OTHER INFORMATION CONTAINED IN THAT REPORT. <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 5,116 <INT-BEARING-DEPOSITS> 895 <FED-FUNDS-SOLD> 3,045 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,374 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 162,044 <ALLOWANCE> 1,741 <TOTAL-ASSETS> 223,343 <DEPOSITS> 170,018 <SHORT-TERM> 15,000 <LIABILITIES-OTHER> 1,367 <LONG-TERM> 18,549 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,973 <OTHER-SE> 14,436 <TOTAL-LIABILITIES-AND-EQUITY> 223,343 <INTEREST-LOAN> 10,271 <INTEREST-INVEST> 2,027 <INTEREST-OTHER> 38 <INTEREST-TOTAL> 12,422 <INTEREST-DEPOSIT> 5,126 <INTEREST-EXPENSE> 6,796 <INTEREST-INCOME-NET> 5,626 <LOAN-LOSSES> 369 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,170 <INCOME-PRETAX> 2,111 <INCOME-PRE-EXTRAORDINARY> 632 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,479 <EPS-BASIC> 1.86 <EPS-DILUTED> 1.86 <YIELD-ACTUAL> 3.78 <LOANS-NON> 120 <LOANS-PAST> 218 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,465 <ALLOWANCE-OPEN> 1,447 <CHARGE-OFFS> 121 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 1,741 <ALLOWANCE-DOMESTIC> 1,741 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0