<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           4,770
<INT-BEARING-DEPOSITS>                           3,338
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,294
<INVESTMENTS-CARRYING>                           1,412
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        114,989
<ALLOWANCE>                                      1,582
<TOTAL-ASSETS>                                 160,444
<DEPOSITS>                                     129,079
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,135
<LONG-TERM>                                     11,900
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,000
<OTHER-SE>                                      11,330
<TOTAL-LIABILITIES-AND-EQUITY>                 160,444
<INTEREST-LOAN>                                  7,476
<INTEREST-INVEST>                                1,458
<INTEREST-OTHER>                                   119
<INTEREST-TOTAL>                                 9,053
<INTEREST-DEPOSIT>                               2,605
<INTEREST-EXPENSE>                               3,012
<INTEREST-INCOME-NET>                            6,041
<LOAN-LOSSES>                                      344
<SECURITIES-GAINS>                                 (29)
<EXPENSE-OTHER>                                  5,637
<INCOME-PRETAX>                                  1,152
<INCOME-PRE-EXTRAORDINARY>                       1,152
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       855
<EPS-BASIC>                                       1.00
<EPS-DILUTED>                                     1.00
<YIELD-ACTUAL>                                    8.67
<LOANS-NON>                                        427
<LOANS-PAST>                                       767
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,144
<ALLOWANCE-OPEN>                                 1,342
<CHARGE-OFFS>                                      181
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                                1,582
<ALLOWANCE-DOMESTIC>                             1,582
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0