<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 34,779 <INT-BEARING-DEPOSITS> 529,978 <FED-FUNDS-SOLD> 24,005 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 111,071 <INVESTMENTS-CARRYING> 93,607 <INVESTMENTS-MARKET> 93,824 <LOANS> 430,001 <ALLOWANCE> 6,450 <TOTAL-ASSETS> 728,206 <DEPOSITS> 632,783 <SHORT-TERM> 9,656 <LIABILITIES-OTHER> 5,649 <LONG-TERM> 23,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,345 <COMMON> 584 <OTHER-SE> 54,189 <TOTAL-LIABILITIES-AND-EQUITY> 728,206 <INTEREST-LOAN> 26,966 <INTEREST-INVEST> 9,173 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 36,139 <INTEREST-DEPOSIT> 15,853 <INTEREST-EXPENSE> 1,829 <INTEREST-INCOME-NET> 18,457 <LOAN-LOSSES> 300 <SECURITIES-GAINS> (746) <EXPENSE-OTHER> 18,074 <INCOME-PRETAX> 3,828 <INCOME-PRE-EXTRAORDINARY> 3,828 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,028 <EPS-BASIC> 23.22 <EPS-DILUTED> 23.22 <YIELD-ACTUAL> 7.58 <LOANS-NON> 297 <LOANS-PAST> 1,473 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 297 <ALLOWANCE-OPEN> 6,188 <CHARGE-OFFS> 301 <RECOVERIES> 263 <ALLOWANCE-CLOSE> 6,450 <ALLOWANCE-DOMESTIC> 6,450 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0