<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 7,709 <INT-BEARING-DEPOSITS> 250 <FED-FUNDS-SOLD> 10,861 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,260 <INVESTMENTS-CARRYING> 65,260 <INVESTMENTS-MARKET> 65,260 <LOANS> 197,616 <ALLOWANCE> 2,560 <TOTAL-ASSETS> 300,277 <DEPOSITS> 230,606 <SHORT-TERM> 21,290 <LIABILITIES-OTHER> 2,635 <LONG-TERM> 20,816 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 233 <OTHER-SE> 24,930 <TOTAL-LIABILITIES-AND-EQUITY> 300,277 <INTEREST-LOAN> 12,433 <INTEREST-INVEST> 3,249 <INTEREST-OTHER> 206 <INTEREST-TOTAL> 15,888 <INTEREST-DEPOSIT> 5,538 <INTEREST-EXPENSE> 7,479 <INTEREST-INCOME-NET> 8,409 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 33 <EXPENSE-OTHER> 6,653 <INCOME-PRETAX> 4,132 <INCOME-PRE-EXTRAORDINARY> 3,050 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,050 <EPS-BASIC> 1.37 <EPS-DILUTED> 1.37 <YIELD-ACTUAL> 4.60 <LOANS-NON> 16 <LOANS-PAST> 969 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,455 <CHARGE-OFFS> 124 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 2,560 <ALLOWANCE-DOMESTIC> 2,560 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,600