<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> 0 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1 <CASH> 20,256 <INT-BEARING-DEPOSITS> 1,516 <FED-FUNDS-SOLD> 1,834 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 112,559 <INVESTMENTS-CARRYING> 61,422 <INVESTMENTS-MARKET> 60,948 <LOANS> 358,801 <ALLOWANCE> 3,643 <TOTAL-ASSETS> 567,690 <DEPOSITS> 445,498 <SHORT-TERM> 33,101 <LIABILITIES-OTHER> 4,807 <LONG-TERM> 0 <COMMON> 13,954 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 47,030 <TOTAL-LIABILITIES-AND-EQUITY> 567,690 <INTEREST-LOAN> 21,158 <INTEREST-INVEST> 8,206 <INTEREST-OTHER> 366 <INTEREST-TOTAL> 29,730 <INTEREST-DEPOSIT> 11,172 <INTEREST-EXPENSE> 12,354 <INTEREST-INCOME-NET> 17,376 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,807 <INCOME-PRETAX> 9,378 <INCOME-PRE-EXTRAORDINARY> 9,378 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,328 <EPS-BASIC> 1.12 <EPS-DILUTED> 1.12 <YIELD-ACTUAL> 4.40 <LOANS-NON> 719 <LOANS-PAST> 1,897 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,616 <ALLOWANCE-OPEN> 3,543 <CHARGE-OFFS> 118 <RECOVERIES> 38 <ALLOWANCE-CLOSE> 3,643 <ALLOWANCE-DOMESTIC> 3,643 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0