<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTER ENDED SEPTEMBER 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           7,833
<INT-BEARING-DEPOSITS>                           5,588
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     59,122
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        125,214
<ALLOWANCE>                                      2,900
<TOTAL-ASSETS>                                 201,772
<DEPOSITS>                                     137,791
<SHORT-TERM>                                    15,472
<LIABILITIES-OTHER>                                422
<LONG-TERM>                                     30,075
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,361
<OTHER-SE>                                      16,651
<TOTAL-LIABILITIES-AND-EQUITY>                 201,772
<INTEREST-LOAN>                                  8,330
<INTEREST-INVEST>                                2,857
<INTEREST-OTHER>                                   390
<INTEREST-TOTAL>                                11,577
<INTEREST-DEPOSIT>                               3,814
<INTEREST-EXPENSE>                               1,864
<INTEREST-INCOME-NET>                            5,899
<LOAN-LOSSES>                                    (206)
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  5,282
<INCOME-PRETAX>                                  1,391
<INCOME-PRE-EXTRAORDINARY>                       1,391
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       896
<EPS-BASIC>                                        .70
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    8.17
<LOANS-NON>                                        353
<LOANS-PAST>                                       305
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,092
<ALLOWANCE-OPEN>                                 2,882
<CHARGE-OFFS>                                      127
<RECOVERIES>                                       350
<ALLOWANCE-CLOSE>                                2,900
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0