<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the 10-Q for September 30, 2000 and is qualified in its entirety by reference to such financial statements </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 16,743 <INT-BEARING-DEPOSITS> 207 <FED-FUNDS-SOLD> 4,850 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 84,904 <INVESTMENTS-CARRYING> 28,046 <INVESTMENTS-MARKET> 27,667 <LOANS> 257,705 <ALLOWANCE> 3,067 <TOTAL-ASSETS> 400,056 <DEPOSITS> 318,735 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,830 <LONG-TERM> 43,755 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40 <OTHER-SE> 30,203 <TOTAL-LIABILITIES-AND-EQUITY> 400,056 <INTEREST-LOAN> 16,918 <INTEREST-INVEST> 4,917 <INTEREST-OTHER> 590 <INTEREST-TOTAL> 22,425 <INTEREST-DEPOSIT> 10,949 <INTEREST-EXPENSE> 12,991 <INTEREST-INCOME-NET> 9,434 <LOAN-LOSSES> 1,563 <SECURITIES-GAINS> 46 <EXPENSE-OTHER> 6,817 <INCOME-PRETAX> 3,848 <INCOME-PRE-EXTRAORDINARY> 3,848 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,501 <EPS-BASIC> 0.64 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> 3.42 <LOANS-NON> 6,615 <LOANS-PAST> 15 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,084 <ALLOWANCE-OPEN> 3,775 <CHARGE-OFFS> 2,410 <RECOVERIES> 139 <ALLOWANCE-CLOSE> 3,067 <ALLOWANCE-DOMESTIC> 3,067 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0