<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q 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> 8,989 <INT-BEARING-DEPOSITS> 12,118 <FED-FUNDS-SOLD> 6,095 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 148,027 <INVESTMENTS-CARRYING> 53,046 <INVESTMENTS-MARKET> 51,885 <LOANS> 162,187 <ALLOWANCE> 2,368 <TOTAL-ASSETS> 406,890 <DEPOSITS> 365,442 <SHORT-TERM> 1,737 <LIABILITIES-OTHER> 2,420 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,800 <OTHER-SE> 26,491 <TOTAL-LIABILITIES-AND-EQUITY> 406,890 <INTEREST-LOAN> 9,554 <INTEREST-INVEST> 8,753 <INTEREST-OTHER> 478 <INTEREST-TOTAL> 18,785 <INTEREST-DEPOSIT> 10,072 <INTEREST-EXPENSE> 10,103 <INTEREST-INCOME-NET> 8,682 <LOAN-LOSSES> 280 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,570 <INCOME-PRETAX> 3,150 <INCOME-PRE-EXTRAORDINARY> 2,754 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,754 <EPS-BASIC> 1.38 <EPS-DILUTED> 1.38 <YIELD-ACTUAL> 3.57 <LOANS-NON> 172 <LOANS-PAST> 66 <LOANS-TROUBLED> 1,216 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,352 <CHARGE-OFFS> 148 <RECOVERIES> 74 <ALLOWANCE-CLOSE> 2,368 <ALLOWANCE-DOMESTIC> 2,368 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 350