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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,177
<INT-BEARING-DEPOSITS> 22,953
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 4,059
<INVESTMENTS-HELD-FOR-SALE> 365,246
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 198,704
<ALLOWANCE> 1,562
<TOTAL-ASSETS> 644,922
<DEPOSITS> 405,269
<SHORT-TERM> 0
<LIABILITIES-OTHER> 160,404
<LONG-TERM> 0
0
0
<COMMON> 900
<OTHER-SE> 78,349
<TOTAL-LIABILITIES-AND-EQUITY> 644,922
<INTEREST-LOAN> 11,023
<INTEREST-INVEST> 19,511
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 30,534
<INTEREST-DEPOSIT> 11,077
<INTEREST-EXPENSE> 18,644
<INTEREST-INCOME-NET> 11,890
<LOAN-LOSSES> 360
<SECURITIES-GAINS> 506
<EXPENSE-OTHER> 7,795
<INCOME-PRETAX> 5,365
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,226
<EPS-BASIC> .61
<EPS-DILUTED> .61
<YIELD-ACTUAL> 2.80
<LOANS-NON> 158
<LOANS-PAST> 158
<LOANS-TROUBLED> 74
<LOANS-PROBLEM> 801
<ALLOWANCE-OPEN> 1,234
<CHARGE-OFFS> (57)
<RECOVERIES> 25
<ALLOWANCE-CLOSE> 1,562
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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