<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> DEC-31-2000 <CASH> 22,274 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 156,513 <INVESTMENTS-CARRYING> 173,754 <INVESTMENTS-MARKET> 173,224 <LOANS> 198,949 <ALLOWANCE> (1,655) <TOTAL-ASSETS> 569,553 <DEPOSITS> 425,296 <SHORT-TERM> 101,262 <LIABILITIES-OTHER> 3,813 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,015 <OTHER-SE> 28,167 <TOTAL-LIABILITIES-AND-EQUITY> 569,553 <INTEREST-LOAN> 14,407 <INTEREST-INVEST> 20,872 <INTEREST-OTHER> 376 <INTEREST-TOTAL> 35,655 <INTEREST-DEPOSIT> 12,244 <INTEREST-EXPENSE> 16,183 <INTEREST-INCOME-NET> 19,472 <LOAN-LOSSES> 363 <SECURITIES-GAINS> (78) <EXPENSE-OTHER> 13,347 <INCOME-PRETAX> 7,395 <INCOME-PRE-EXTRAORDINARY> 7,395 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,005 <EPS-BASIC> 1.33 <EPS-DILUTED> 1.32 <YIELD-ACTUAL> 7.22 <LOANS-NON> 246 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,423 <CHARGE-OFFS> 135 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 1,655 <ALLOWANCE-DOMESTIC> 1,615 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 40