<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPT. 30, 2000 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1 <CASH> 15,035 <INT-BEARING-DEPOSITS> 7,332 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,484 <INVESTMENTS-CARRYING> 7,044 <INVESTMENTS-MARKET> 7,284 <LOANS> 332,875 <ALLOWANCE> 4,641 <TOTAL-ASSETS> 430,248 <DEPOSITS> 377,208 <SHORT-TERM> 8,768 <LIABILITIES-OTHER> 7,465 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 809 <OTHER-SE> 35,998 <TOTAL-LIABILITIES-AND-EQUITY> 430,248 <INTEREST-LOAN> 7,019 <INTEREST-INVEST> 1,380 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 8,399 <INTEREST-DEPOSIT> 3,246 <INTEREST-EXPENSE> 3,353 <INTEREST-INCOME-NET> 5,046 <LOAN-LOSSES> 114 <SECURITIES-GAINS> 208 <EXPENSE-OTHER> 2,801 <INCOME-PRETAX> 3,122 <INCOME-PRE-EXTRAORDINARY> 3,122 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,041 <EPS-BASIC> 0.28 <EPS-DILUTED> 0.27 <YIELD-ACTUAL> 4.98 <LOANS-NON> 0 <LOANS-PAST> 126 <LOANS-TROUBLED> 1,003 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,516 <CHARGE-OFFS> 3 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 4,641 <ALLOWANCE-DOMESTIC> 4,641 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0