<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               DEC-31-2000
<CASH>                                          15,698
<INT-BEARING-DEPOSITS>                              69
<FED-FUNDS-SOLD>                                34,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,970
<INVESTMENTS-CARRYING>                          23,611
<INVESTMENTS-MARKET>                            24,474
<LOANS>                                        204,585
<ALLOWANCE>                                      2,276
<TOTAL-ASSETS>                                 346,373
<DEPOSITS>                                     319,547
<SHORT-TERM>                                       998
<LIABILITIES-OTHER>                              1,315
<LONG-TERM>                                      4,651
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      1,861
<COMMON>                                           252
<OTHER-SE>                                      17,749
<TOTAL-LIABILITIES-AND-EQUITY>                  19,862
<INTEREST-LOAN>                                 19,441
<INTEREST-INVEST>                                4,677
<INTEREST-OTHER>                                   331
<INTEREST-TOTAL>                                24,449
<INTEREST-DEPOSIT>                               9,181
<INTEREST-EXPENSE>                               9,787
<INTEREST-INCOME-NET>                           14,662
<LOAN-LOSSES>                                      897
<SECURITIES-GAINS>                                  16
<EXPENSE-OTHER>                                 14,502
<INCOME-PRETAX>                                  3,846
<INCOME-PRE-EXTRAORDINARY>                       2,895
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,895
<EPS-BASIC>                                     1.07
<EPS-DILUTED>                                      .95
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                        160
<LOANS-PAST>                                       968
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,967
<CHARGE-OFFS>                                      708
<RECOVERIES>                                       120
<ALLOWANCE-CLOSE>                                2,276
<ALLOWANCE-DOMESTIC>                                10
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,266