<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This template is intended to allow you to record information that will
subsequently be entered into a Financial Data Schedule exhibit. Check that this
is the correct template for the filing being made and then fill out the
information as indicated. (See Appendix E of the Filer Manual, or the Bowne FDS
Reprint, if you need more specific instructions on each field.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 18,141
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 54,630
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 187,908
<INVESTMENTS-CARRYING> 28,315
<INVESTMENTS-MARKET> 28,416
<LOANS> 535,917
<ALLOWANCE> 5,824
<TOTAL-ASSETS> 835,965
<DEPOSITS> 721,336
<SHORT-TERM> 0
<LIABILITIES-OTHER> 5,504
<LONG-TERM> 0
0
0
<COMMON> 95
<OTHER-SE> 89,873
<TOTAL-LIABILITIES-AND-EQUITY> 835,965
<INTEREST-LOAN> 11,930
<INTEREST-INVEST> 3,675
<INTEREST-OTHER> 445
<INTEREST-TOTAL> 16,050
<INTEREST-DEPOSIT> 9,460
<INTEREST-EXPENSE> 9,656
<INTEREST-INCOME-NET> 6,394
<LOAN-LOSSES> 1,050
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,075
<INCOME-PRETAX> (3,000)
<INCOME-PRE-EXTRAORDINARY> (3,000)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (3,000)
<EPS-BASIC> (.32)
<EPS-DILUTED> (.32)
<YIELD-ACTUAL> .086
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,774
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 5,824
<ALLOWANCE-DOMESTIC> 5,824
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>