<ARTICLE>                9
<MULTIPLIER>  1,000

                                       
<PERIOD-TYPE>                             9-MOS
<FISCAL-YEAR-END>                         DEC-31-2000
<PERIOD-END>                              SEP-30-2000
<CASH>                                         13,384
<INT-BEARING-DEPOSITS>                            451
<FED-FUNDS-SOLD>                                4,212
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   110,748
<INVESTMENTS-CARRYING>                         44,170
<INVESTMENTS-MARKET>                           43,142
<LOANS>                                       181,638
<ALLOWANCE>                                     2,945
<TOTAL-ASSETS>                                366,730
<DEPOSITS>                                    295,525
<SHORT-TERM>                                   13,701
<LIABILITIES-OTHER>                             2,796
<LONG-TERM>                                    25,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        1,800
<OTHER-SE>                                     27,908
<TOTAL-LIABILITIES-AND-EQUITY>                366,730
<INTEREST-LOAN>                                10,880
<INTEREST-INVEST>                               7,362
<INTEREST-OTHER>                                  175
<INTEREST-TOTAL>                               18,417
<INTEREST-DEPOSIT>                              7,490
<INTEREST-EXPENSE>                              8,844
<INTEREST-INCOME-NET>                           9,578
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                156
<EXPENSE-OTHER>                                 7,414
<INCOME-PRETAX>                                 4,136
<INCOME-PRE-EXTRAORDINARY>                      3,200
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    3,200
<EPS-BASIC>                                      2.13
<EPS-DILUTED>                                    2.13
<YIELD-ACTUAL>                                   4.03
<LOANS-NON>                                       450
<LOANS-PAST>                                        6
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                 3,419
<ALLOWANCE-OPEN>                                3,196
<CHARGE-OFFS>                                     262
<RECOVERIES>                                       11
<ALLOWANCE-CLOSE>                               2,945
<ALLOWANCE-DOMESTIC>                            2,945
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           606