<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q 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>                                          10,124
<INT-BEARING-DEPOSITS>                             142
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    113,611
<INVESTMENTS-CARRYING>                          89,564
<INVESTMENTS-MARKET>                            87,549
<LOANS>                                        203,518
<ALLOWANCE>                                      2,945
<TOTAL-ASSETS>                                 425,615
<DEPOSITS>                                     328,641
<SHORT-TERM>                                    11,919
<LIABILITIES-OTHER>                              2,193
<LONG-TERM>                                     36,500
<PREFERRED-MANDATORY>                           18,873
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      27,489
<TOTAL-LIABILITIES-AND-EQUITY>                 425,615
<INTEREST-LOAN>                                 13,207
<INTEREST-INVEST>                                9,632
<INTEREST-OTHER>                                    39
<INTEREST-TOTAL>                                22,878
<INTEREST-DEPOSIT>                               8,294
<INTEREST-EXPENSE>                              10,354
<INTEREST-INCOME-NET>                           12,524
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  8,404
<INCOME-PRETAX>                                  5,162
<INCOME-PRE-EXTRAORDINARY>                       3,821
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,821
<EPS-BASIC>                                       1.03
<EPS-DILUTED>                                     1.03
<YIELD-ACTUAL>                                     4.3
<LOANS-NON>                                      1,681
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   145
<LOANS-PROBLEM>                                  1,520
<ALLOWANCE-OPEN>                                 2,956
<CHARGE-OFFS>                                      378
<RECOVERIES>                                       117
<ALLOWANCE-CLOSE>                                2,945
<ALLOWANCE-DOMESTIC>                             2,539
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            406