<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-2000 <CASH> 5,802 <INT-BEARING-DEPOSITS> 34 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,169 <INVESTMENTS-CARRYING> 26,551 <INVESTMENTS-MARKET> 25,911 <LOANS> 141,198 <ALLOWANCE> 1,309 <TOTAL-ASSETS> 193,388 <DEPOSITS> 163,201 <SHORT-TERM> 5,437 <LIABILITIES-OTHER> 1,016 <LONG-TERM> 5,000 <COMMON> 3,605 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 15,129 <TOTAL-LIABILITIES-AND-EQUITY> 193,388 <INTEREST-LOAN> 8,103 <INTEREST-INVEST> 1,681 <INTEREST-OTHER> 2 <INTEREST-TOTAL> 9,786 <INTEREST-DEPOSIT> 3,884 <INTEREST-EXPENSE> 4,290 <INTEREST-INCOME-NET> 5,496 <LOAN-LOSSES> 260 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,871 <INCOME-PRETAX> 1,999 <INCOME-PRE-EXTRAORDINARY> 1,999 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,509 <EPS-BASIC> 1.05 <EPS-DILUTED> 1.05 <YIELD-ACTUAL> 4.46 <LOANS-NON> 202 <LOANS-PAST> 195 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 688 <ALLOWANCE-OPEN> 1,123 <CHARGE-OFFS> 101 <RECOVERIES> 27 <ALLOWANCE-CLOSE> 1,309 <ALLOWANCE-DOMESTIC> 1,309 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0