<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 12,019 <INT-BEARING-DEPOSITS> 7,015 <FED-FUNDS-SOLD> 19,830 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,952 <INVESTMENTS-CARRYING> 596 <INVESTMENTS-MARKET> 589 <LOANS> 378,508 <ALLOWANCE> 5,434 <TOTAL-ASSETS> 499,992 <DEPOSITS> 425,398 <SHORT-TERM> 14,700 <LIABILITIES-OTHER> 3,911 <LONG-TERM> 17,519 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,440 <OTHER-SE> 34,024 <TOTAL-LIABILITIES-AND-EQUITY> 499,992 <INTEREST-LOAN> 26,336 <INTEREST-INVEST> 2,749 <INTEREST-OTHER> 1,151 <INTEREST-TOTAL> 30,236 <INTEREST-DEPOSIT> 14,483 <INTEREST-EXPENSE> 15,903 <INTEREST-INCOME-NET> 14,333 <LOAN-LOSSES> 1,834 <SECURITIES-GAINS> (494) <EXPENSE-OTHER> 9,840 <INCOME-PRETAX> 4,740 <INCOME-PRE-EXTRAORDINARY> 4,740 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,197 <EPS-BASIC> 0.72 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 4.42 <LOANS-NON> 4,521 <LOANS-PAST> 505 <LOANS-TROUBLED> 219 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,682 <CHARGE-OFFS> 1,275 <RECOVERIES> 193 <ALLOWANCE-CLOSE> 5,434 <ALLOWANCE-DOMESTIC> 5,434 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0