<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      13,603,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             9,629,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                109,593,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    323,391,000
<ALLOWANCE>                                  3,885,000
<TOTAL-ASSETS>                             482,949,000
<DEPOSITS>                                 379,107,000
<SHORT-TERM>                                 2,114,000
<LIABILITIES-OTHER>                          6,265,000
<LONG-TERM>                                 30,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     3,792,000
<OTHER-SE>                                  35,278,000
<TOTAL-LIABILITIES-AND-EQUITY>             482,949,000
<INTEREST-LOAN>                             20,941,000
<INTEREST-INVEST>                            4,604,000
<INTEREST-OTHER>                               421,000
<INTEREST-TOTAL>                            25,966,000
<INTEREST-DEPOSIT>                          11,270,000
<INTEREST-EXPENSE>                          13,860,000
<INTEREST-INCOME-NET>                       12,106,000
<LOAN-LOSSES>                                  460,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              8,426,000
<INCOME-PRETAX>                              4,993,000
<INCOME-PRE-EXTRAORDINARY>                   4,993,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,102,000
<EPS-BASIC>                                       1.18
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                    4.22
<LOANS-NON>                                  2,027,000
<LOANS-PAST>                                   113,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,464,000
<ALLOWANCE-OPEN>                             3,700,000
<CHARGE-OFFS>                                  325,000
<RECOVERIES>                                    50,000
<ALLOWANCE-CLOSE>                            3,885,000
<ALLOWANCE-DOMESTIC>                         3,850,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         35,000