<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 12,022 <INT-BEARING-DEPOSITS> 3,559 <FED-FUNDS-SOLD> 5,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 147,452 <INVESTMENTS-CARRYING> 2,302 <INVESTMENTS-MARKET> 2,004 <LOANS> 385,293 <ALLOWANCE> 4,880 <TOTAL-ASSETS> 572,014 <DEPOSITS> 443,888 <SHORT-TERM> 0 <LIABILITIES-OTHER> 4,988 <LONG-TERM> 80,604 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,133 <OTHER-SE> 31,766 <TOTAL-LIABILITIES-AND-EQUITY> 572,014 <INTEREST-LOAN> 8,390 <INTEREST-INVEST> 2,498 <INTEREST-OTHER> 231 <INTEREST-TOTAL> 11,119 <INTEREST-DEPOSIT> 5,086 <INTEREST-EXPENSE> 6,346 <INTEREST-INCOME-NET> 4,773 <LOAN-LOSSES> 180 <SECURITIES-GAINS> (23) <EXPENSE-OTHER> 2,942 <INCOME-PRETAX> 2,034 <INCOME-PRE-EXTRAORDINARY> 2,034 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,560 <EPS-BASIC> 0.62 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 8.13 <LOANS-NON> 901 <LOANS-PAST> 309 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,714 <CHARGE-OFFS> 466 <RECOVERIES> 92 <ALLOWANCE-CLOSE> 4,880 <ALLOWANCE-DOMESTIC> 4,880 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0