<ARTICLE>       9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and the Consolidated Statement of Income filed as
part of the annual report on Form 10-K and is qualified in its entirety by
reference to such annual report on Form 10-K.
</LEGEND>
<MULTIPLIER>  1,000

                                                                
<PERIOD-TYPE>                                                             9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-2000
<PERIOD-END>                                                        SEP-30-2000
<CASH>                                                                  14,007
<INT-BEARING-DEPOSITS>                                                     547
<FED-FUNDS-SOLD>                                                             0
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             31,759
<INVESTMENTS-CARRYING>                                                  10,560
<INVESTMENTS-MARKET>                                                    10,260
<LOANS>                                                                484,841
<ALLOWANCE>                                                              3,426
<TOTAL-ASSETS>                                                         577,575
<DEPOSITS>                                                             389,938
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                      8,868
<LONG-TERM>                                                             78,391
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                    58
<OTHER-SE>                                                             100,320
<TOTAL-LIABILITIES-AND-EQUITY>                                         577,575
<INTEREST-LOAN>                                                         27,177
<INTEREST-INVEST>                                                        2,472
<INTEREST-OTHER>                                                            41
<INTEREST-TOTAL>                                                        29,691
<INTEREST-DEPOSIT>                                                      12,507
<INTEREST-EXPENSE>                                                       2,800
<INTEREST-INCOME-NET>                                                   14,383
<LOAN-LOSSES>                                                              513
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          9,617
<INCOME-PRETAX>                                                          6,796
<INCOME-PRE-EXTRAORDINARY>                                               4,538
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             4,538
<EPS-BASIC>                                                              .84
<EPS-DILUTED>                                                              .84
<YIELD-ACTUAL>                                                            3.73
<LOANS-NON>                                                                498
<LOANS-PAST>                                                                70
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                          2,569
<ALLOWANCE-OPEN>                                                         3,652
<CHARGE-OFFS>                                                              785
<RECOVERIES>                                                                46
<ALLOWANCE-CLOSE>                                                        3,426
<ALLOWANCE-DOMESTIC>                                                     3,426
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0