<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 4,711 <INT-BEARING-DEPOSITS> 553 <FED-FUNDS-SOLD> 11,637 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 163,154 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 290,331 <ALLOWANCE> 1,956 <TOTAL-ASSETS> 490,054 <DEPOSITS> 406,408 <SHORT-TERM> 0 <LIABILITIES-OTHER> 13,263 <LONG-TERM> 29,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,780 <OTHER-SE> 37,604 <TOTAL-LIABILITIES-AND-EQUITY> 490,054 <INTEREST-LOAN> 16,796 <INTEREST-INVEST> 7,774 <INTEREST-OTHER> 233 <INTEREST-TOTAL> 24,802 <INTEREST-DEPOSIT> 10,447 <INTEREST-EXPENSE> 1,375 <INTEREST-INCOME-NET> 12,980 <LOAN-LOSSES> 225 <SECURITIES-GAINS> (107) <EXPENSE-OTHER> 7,566 <INCOME-PRETAX> 7,365 <INCOME-PRE-EXTRAORDINARY> 7,365 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,038 <EPS-BASIC> 1.68 <EPS-DILUTED> 1.68 <YIELD-ACTUAL> 0 <LOANS-NON> 88 <LOANS-PAST> 1,326 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,366 <CHARGE-OFFS> 650 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,956 <ALLOWANCE-DOMESTIC> 1,956 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0