<ARTICLE>           9
<MULTIPLIER>        1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          21,281
<INT-BEARING-DEPOSITS>                          63,000
<FED-FUNDS-SOLD>                                20,009
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,801
<INVESTMENTS-CARRYING>                           9,760
<INVESTMENTS-MARKET>                             9,727
<LOANS>                                        348,090
<ALLOWANCE>                                      4,512
<TOTAL-ASSETS>                                 548,625
<DEPOSITS>                                     194,941
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            300,418
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      51,266
<TOTAL-LIABILITIES-AND-EQUITY>                 548,625
<INTEREST-LOAN>                                  7,164
<INTEREST-INVEST>                                1,297
<INTEREST-OTHER>                                   999
<INTEREST-TOTAL>                                 9,460
<INTEREST-DEPOSIT>                               1,464
<INTEREST-EXPENSE>                               1,477
<INTEREST-INCOME-NET>                            7,983
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,283
<INCOME-PRETAX>                                  2,666
<INCOME-PRE-EXTRAORDINARY>                       2,666
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,720
<EPS-BASIC>                                      .50
<EPS-DILUTED>                                      .49
<YIELD-ACTUAL>                                    6.68
<LOANS-NON>                                        980
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    988
<ALLOWANCE-OPEN>                                 4,480
<CHARGE-OFFS>                                       71
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                4,512
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN DEC-31-2000 STATEMENTS.