FINANCIAL DATA SCHEDULE

TYPE                                                                EX-27
ARTICLE                                                                       9
PERIOD-TYPE                                                              12-MOS
FISCAL YEAR-END                                                     DEC-31-2001
PERIOD-END                                                          DEC-31-2001
CASH                                                                     12,650
INT-BEARING-DEPOSITS                                                        679
FED-FUNDS-SOLD                                                           24,347
TRADING-ASSETS                                                                0
INVESTMENTS-HELD-FOR-SALE                                                68,422
INVESTMENTS-CARRYING                                                          0
INVESTMENTS-MARKET                                                            0
LOANS                                                                   249,816
ALLOWANCE                                                                 3,104
TOTAL-ASSETS                                                            373,728
DEPOSITS                                                                281,168
SHORT-TERM                                                               31,531
LIABILITIES-OTHER                                                         3,355
LONG-TERM                                                                26,512
PREFERRED-MANDATORY                                                           0
PREFERRED                                                                     0
COMMON                                                                      248
OTHER-SE                                                                 30,914
TOTAL-LIABILITIES AND EQUITY                                            373,728
INTEREST-LOAN                                                            19,308
INTEREST-INVEST                                                           3,768
INTEREST-OTHER                                                              902
INTEREST-TOTAL                                                           23,978
INTEREST-DEPOSIT                                                          8,347
INTEREST-EXPENSE                                                         10,677
INTEREST-INCOME-NET                                                      13,301
LOAN-LOSSES                                                                 504
SECURITIES-GAINS                                                             11
EXPENSE-OTHER                                                            10,247
INCOME-PRETAX                                                             7,030
INCOME-PRE-EXTRAORDINARY                                                  5,092
EXTRAORDINARY                                                                 0
CHANGES                                                                       0
NET-INCOME                                                                5,092
EPS-PRIMARY                                                                2.15
EPS-DILUTED                                                                2.12
YIELD-ACTUAL                                                               4.38
LOANS-NON                                                                    56
LOANS-PAST                                                                  644
LOANS-TROUBLED                                                                0
LOANS-PROBLEM                                                                 0
ALLOWANCE-OPEN                                                            2,691
CHARGE-OFFS                                                                  98
RECOVERIES                                                                    7
ALLOWANCE-CLOSE                                                           3,104
ALLOWANCE-DOMESTIC                                                        3,104
ALLOWANCE-FOREIGN                                                             0
ALLOWANCE-UNALLOCATED                                                     1,692