<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             SEP-30-1999
<CASH>                                          27,753                  16,717
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                   3,800
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     29,215                  35,919
<INVESTMENTS-CARRYING>                          48,132                  43,467
<INVESTMENTS-MARKET>                            47,711                  42,874
<LOANS>                                        375,194                 279,843
<ALLOWANCE>                                      6,472                   4,568
<TOTAL-ASSETS>                                 495,210                 384,652
<DEPOSITS>                                     427,031                 336,238
<SHORT-TERM>                                    12,100                       0
<LIABILITIES-OTHER>                              4,571                   3,775
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        38,100                  34,590
<OTHER-SE>                                      13,408                  10,049
<TOTAL-LIABILITIES-AND-EQUITY>                 495,210                 384,652
<INTEREST-LOAN>                                 26,371                  17,636
<INTEREST-INVEST>                                3,668                   4,551
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                30,039                  22,187
<INTEREST-DEPOSIT>                               8,139                   6,141
<INTEREST-EXPENSE>                               8,507                   6,141
<INTEREST-INCOME-NET>                           21,532                  16,046
<LOAN-LOSSES>                                      600                     165
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 14,560                  10,043
<INCOME-PRETAX>                                  7,797                   6,999
<INCOME-PRE-EXTRAORDINARY>                       7,797                   6,999
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,810                   4,325
<EPS-BASIC>                                        .97                     .87
<EPS-DILUTED>                                      .95                     .85
<YIELD-ACTUAL>                                    6.76                    5.96
<LOANS-NON>                                      1,066                     596
<LOANS-PAST>                                       110                     622
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,850                   4,424
<CHARGE-OFFS>                                      256                     500
<RECOVERIES>                                       170                     479
<ALLOWANCE-CLOSE>                                6,472                   4,568
<ALLOWANCE-DOMESTIC>                             6,472                   4,568
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,868                     176