<ARTICLE> 9 <LEGEND> (Replace this text with the legend) </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> 10,634 <INT-BEARING-DEPOSITS> 1,155 <FED-FUNDS-SOLD> 6,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,219 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 387,148 <ALLOWANCE> 4,806 <TOTAL-ASSETS> 485,001 <DEPOSITS> 398,051 <SHORT-TERM> 8,000 <LIABILITIES-OTHER> 3,925 <LONG-TERM> 32,582 <PREFERRED-MANDATORY> 45 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 42,398 <TOTAL-LIABILITIES-AND-EQUITY> 485,001 <INTEREST-LOAN> 23,972 <INTEREST-INVEST> 4,004 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 27,976 <INTEREST-DEPOSIT> 12,569 <INTEREST-EXPENSE> 14,530 <INTEREST-INCOME-NET> 13,446 <LOAN-LOSSES> 1,675 <SECURITIES-GAINS> (77) <EXPENSE-OTHER> 10,265 <INCOME-PRETAX> 3,225 <INCOME-PRE-EXTRAORDINARY> 3,225 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,814 <EPS-BASIC> .58 <EPS-DILUTED> .58 <YIELD-ACTUAL> 8.26 <LOANS-NON> 6,756 <LOANS-PAST> 0 <LOANS-TROUBLED> 75 <LOANS-PROBLEM> 3,716 <ALLOWANCE-OPEN> 3,502 <CHARGE-OFFS> 371 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 4,806 <ALLOWANCE-DOMESTIC> 4,806 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0