<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Sep-30-2000
<CASH>                                         6,040
<INT-BEARING-DEPOSITS>                         2,521
<FED-FUNDS-SOLD>                               13,169
<TRADING-ASSETS>                               0
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<INVESTMENTS-MARKET>                           90,063
<LOANS>                                        261,780
<ALLOWANCE>                                    2,785
<TOTAL-ASSETS>                                 394,036
<DEPOSITS>                                     281,734
<SHORT-TERM>                                   0
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<LONG-TERM>                                    60,330
<PREFERRED-MANDATORY>                          0
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<COMMON>                                       3,900
<OTHER-SE>                                     31,718
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<INTEREST-LOAN>                                18,214
<INTEREST-INVEST>                              4,413
<INTEREST-OTHER>                               611
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<INTEREST-DEPOSIT>                             10,387
<INTEREST-EXPENSE>                             16,907
<INTEREST-INCOME-NET>                          6,331
<LOAN-LOSSES>                                  292
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                3,462
<INCOME-PRETAX>                                3,255
<INCOME-PRE-EXTRAORDINARY>                     1,956
<EXTRAORDINARY>                                (206)
<CHANGES>                                      0
<NET-INCOME>                                   1,750
<EPS-BASIC>                                    .45
<EPS-DILUTED>                                  .45
<YIELD-ACTUAL>                                 2.36
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<LOANS-PROBLEM>                                0
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<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              2,785
<ALLOWANCE-DOMESTIC>                           2,785
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0