<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE FINANCIAL DATA SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM SEPTEMBER 30, 2000 10-Q CONSOLIDATED BALANCE SHEETS CONSOLIDATED STATEMENTS
OF INCOME AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 27,762
<INT-BEARING-DEPOSITS> 462,481
<FED-FUNDS-SOLD> 25,120
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 143,216
<INVESTMENTS-CARRYING> 143,216
<INVESTMENTS-MARKET> 143,216
<LOANS> 440,905
<ALLOWANCE> 4,810
<TOTAL-ASSETS> 686,642
<DEPOSITS> 570,890
<SHORT-TERM> 10,675
<LIABILITIES-OTHER> 40,689
<LONG-TERM> 0
0
0
<COMMON> 24
<OTHER-SE> 0
<TOTAL-LIABILITIES-AND-EQUITY> 686,642
<INTEREST-LOAN> 29,594
<INTEREST-INVEST> 6,930
<INTEREST-OTHER> 1,011
<INTEREST-TOTAL> 37,535
<INTEREST-DEPOSIT> 15,187
<INTEREST-EXPENSE> 17,001
<INTEREST-INCOME-NET> 20,534
<LOAN-LOSSES> 300
<SECURITIES-GAINS> (160)
<EXPENSE-OTHER> 17,828
<INCOME-PRETAX> 9,985
<INCOME-PRE-EXTRAORDINARY> 9,985
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,350
<EPS-BASIC> 2.68
<EPS-DILUTED> 2.67
<YIELD-ACTUAL> 8.31
<LOANS-NON> 1,361
<LOANS-PAST> 350
<LOANS-TROUBLED> 32
<LOANS-PROBLEM> 68
<ALLOWANCE-OPEN> 4,573
<CHARGE-OFFS> 635
<RECOVERIES> 485
<ALLOWANCE-CLOSE> 4,810
<ALLOWANCE-DOMESTIC> 4,810
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 4,480
</TABLE>