<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 4,347 <INT-BEARING-DEPOSITS> 45 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 83,814 <INVESTMENTS-CARRYING> 34,224 <INVESTMENTS-MARKET> 33,682 <LOANS> 136,604 <ALLOWANCE> 1,695 <TOTAL-ASSETS> 264,407 <DEPOSITS> 206,325 <SHORT-TERM> 17,514 <LIABILITIES-OTHER> 2,420 <LONG-TERM> 2,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,523 <OTHER-SE> 34,625 <TOTAL-LIABILITIES-AND-EQUITY> 264,407 <INTEREST-LOAN> 8,364 <INTEREST-INVEST> 5,923 <INTEREST-OTHER> 2 <INTEREST-TOTAL> 14,289 <INTEREST-DEPOSIT> 6,674 <INTEREST-EXPENSE> 7,544 <INTEREST-INCOME-NET> 6,745 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,970 <INCOME-PRETAX> 4,344 <INCOME-PRE-EXTRAORDINARY> 4,344 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,997 <EPS-BASIC> 5.71 <EPS-DILUTED> 5.67 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 156 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,575 <ALLOWANCE-OPEN> 1,502 <CHARGE-OFFS> 42 <RECOVERIES> 100 <ALLOWANCE-CLOSE> 1,695 <ALLOWANCE-DOMESTIC> 1,695 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0