<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           2,144
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                    48
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,334
<INVESTMENTS-CARRYING>                           3,666
<INVESTMENTS-MARKET>                             3,584
<LOANS>                                         52,058
<ALLOWANCE>                                        508
<TOTAL-ASSETS>                                  70,398
<DEPOSITS>                                      64,553
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                467
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,460
<OTHER-SE>                                       3,918
<TOTAL-LIABILITIES-AND-EQUITY>                  70,398
<INTEREST-LOAN>                                  3,474
<INTEREST-INVEST>                                  674
<INTEREST-OTHER>                                    24
<INTEREST-TOTAL>                                 4,172
<INTEREST-DEPOSIT>                               1,907
<INTEREST-EXPENSE>                               1,951
<INTEREST-INCOME-NET>                            2,221
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                  1,788
<INCOME-PRETAX>                                    429
<INCOME-PRE-EXTRAORDINARY>                         325
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       325
<EPS-BASIC>                                       2.23
<EPS-DILUTED>                                     2.23
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                        213
<LOANS-PAST>                                       193
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    447
<ALLOWANCE-OPEN>                                   507
<CHARGE-OFFS>                                      311
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                  508
<ALLOWANCE-DOMESTIC>                               501
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              7