<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                              APR-1-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          13,914
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     50,996
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        213,904
<ALLOWANCE>                                      2,197
<TOTAL-ASSETS>                                 295,729
<DEPOSITS>                                     233,075
<SHORT-TERM>                                    10,648
<LIABILITIES-OTHER>                              4,897
<LONG-TERM>                                     25,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,587
<OTHER-SE>                                      17,522
<TOTAL-LIABILITIES-AND-EQUITY>                 295,729
<INTEREST-LOAN>                                  9,647
<INTEREST-INVEST>                                1,482
<INTEREST-OTHER>                                     2
<INTEREST-TOTAL>                                11,131
<INTEREST-DEPOSIT>                               4,157
<INTEREST-EXPENSE>                               4,868
<INTEREST-INCOME-NET>                            6,263
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                  5,152
<INCOME-PRETAX>                                  2,271
<INCOME-PRE-EXTRAORDINARY>                       2,271
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,658
<EPS-BASIC>                                       0.86
<EPS-DILUTED>                                     0.86
<YIELD-ACTUAL>                                    5.13
<LOANS-NON>                                        514
<LOANS-PAST>                                     1,943
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,260
<ALLOWANCE-OPEN>                                 2,132
<CHARGE-OFFS>                                      345
<RECOVERIES>                                       110
<ALLOWANCE-CLOSE>                                2,197
<ALLOWANCE-DOMESTIC>                             1,581
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            616