<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-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> 20,151 <INTEREST-INVEST> 4,083 <INTEREST-OTHER> 2,575 <INTEREST-TOTAL> 26,809 <INTEREST-DEPOSIT> 3,489 <INTEREST-EXPENSE> 3,509 <INTEREST-INCOME-NET> 23,300 <LOAN-LOSSES> 350 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 30,802 <INCOME-PRETAX> 8,230 <INCOME-PRE-EXTRAORDINARY> 8,230 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,296 <EPS-BASIC> 1.50 <EPS-DILUTED> 1.48 <YIELD-ACTUAL> 6.74 <LOANS-NON> 980 <LOANS-PAST> 4 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 988 <ALLOWANCE-OPEN> 4,282 <CHARGE-OFFS> 153 <RECOVERIES> 33 <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.