<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 15,093 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,963 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 69,450 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 82,878 <LOANS> 331,450 <ALLOWANCE> 3,219 <TOTAL-ASSETS> 526,584 <DEPOSITS> 470,064 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,643 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,059 <OTHER-SE> 47,818 <TOTAL-LIABILITIES-AND-EQUITY> 526,584 <INTEREST-LOAN> 18,240 <INTEREST-INVEST> 8,166 <INTEREST-OTHER> 4,483 <INTEREST-TOTAL> 30,689 <INTEREST-DEPOSIT> 8,942 <INTEREST-EXPENSE> 0 <INTEREST-INCOME-NET> 17,464 <LOAN-LOSSES> 378 <SECURITIES-GAINS> (200) <EXPENSE-OTHER> 12,376 <INCOME-PRETAX> 8,993 <INCOME-PRE-EXTRAORDINARY> 8,993 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,923 <EPS-BASIC> 1.96 <EPS-DILUTED> 1.92 <YIELD-ACTUAL> 0 <LOANS-NON> 192 <LOANS-PAST> 171 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 162 <RECOVERIES> 41 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0