<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>                                          17,786
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    103,055
<INVESTMENTS-CARRYING>                          32,035
<INVESTMENTS-MARKET>                            31,683
<LOANS>                                        328,117
<ALLOWANCE>                                      3,166
<TOTAL-ASSETS>                                 498,241
<DEPOSITS>                                     422,498
<SHORT-TERM>                                    27,000
<LIABILITIES-OTHER>                              2,033
<LONG-TERM>                                      3,625
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      39,306
<TOTAL-LIABILITIES-AND-EQUITY>                 498,241
<INTEREST-LOAN>                                 19,849
<INTEREST-INVEST>                                6,214
<INTEREST-OTHER>                                   142
<INTEREST-TOTAL>                                26,205
<INTEREST-DEPOSIT>                              12,966
<INTEREST-EXPENSE>                              14,038
<INTEREST-INCOME-NET>                           12,167
<LOAN-LOSSES>                                      602
<SECURITIES-GAINS>                                (21)
<EXPENSE-OTHER>                                  9,693
<INCOME-PRETAX>                                  5,221
<INCOME-PRE-EXTRAORDINARY>                       3,570
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,570
<EPS-BASIC>                                        .85
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                      1,627
<LOANS-PAST>                                       104
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,793
<CHARGE-OFFS>                                      331
<RECOVERIES>                                       102
<ALLOWANCE-CLOSE>                                3,166
<ALLOWANCE-DOMESTIC>                             2,284
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            882