Accumulated
                                                                                            Other
                                                       Common              Retained     Comprehensive
                                                       Stock     Surplus   Earnings         Income      Total

Balance December 31, 1999                              $ 2,996   $16,197    $19,320     $(334)         $38,179
  Comprehensive income:
    Net Income                                                                3,334                      3,334
    Net change in unrealized appreciation on
     securities available for sale, net of income taxes                                   181              181

    Total comprehensive income                                                                           3,515

Cash dividends declared, $.34 per share                                      (1,032)                    (1,032)
Common stock issued in acquisition                          57      (25)        100    ______              132
Balance September 30, 2000                             $ 3,053   $16,172    $21,722     $(153)         $40,794
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