<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 5858 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20703 <INVESTMENTS-CARRYING> 8603 <INVESTMENTS-MARKET> 8750 <LOANS> 171688 <ALLOWANCE> 2508 <TOTAL-ASSETS> 210397 <DEPOSITS> 157523 <SHORT-TERM> 8127 <LIABILITIES-OTHER> 1684 <LONG-TERM> 23500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19546 <OTHER-SE> 17 <TOTAL-LIABILITIES-AND-EQUITY> 210397 <INTEREST-LOAN> 10577 <INTEREST-INVEST> 1224 <INTEREST-OTHER> 114 <INTEREST-TOTAL> 11915 <INTEREST-DEPOSIT> 4047 <INTEREST-EXPENSE> 5222 <INTEREST-INCOME-NET> 6693 <LOAN-LOSSES> 270 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4127 <INCOME-PRETAX> 3073 <INCOME-PRE-EXTRAORDINARY> 2174 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2174 <EPS-BASIC> .65 <EPS-DILUTED> .65 <YIELD-ACTUAL> 4.94 <LOANS-NON> 325 <LOANS-PAST> 111 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 500 <ALLOWANCE-OPEN> 2792 <CHARGE-OFFS> 593 <RECOVERIES> 39 <ALLOWANCE-CLOSE> 2508 <ALLOWANCE-DOMESTIC> 1454 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1054