[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 9-MOS
[FISCAL-YEAR-END] DEC-31-2000
[PERIOD-END] SEP-30-2000
[CASH] 16,858
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 448,981
[INVESTMENTS-CARRYING] 0
[INVESTMENTS-MARKET] 0
[LOANS] 483,134
[ALLOWANCE] 5,281
[TOTAL-ASSETS] 984,429
[DEPOSITS] 622,943
[SHORT-TERM] 75,226
[LIABILITIES-OTHER] 234,131
[LONG-TERM] 1,789
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 67
[OTHER-SE] 50,273
[TOTAL-LIABILITIES-AND-EQUITY] 984,429
[INTEREST-LOAN] 29,563
[INTEREST-INVEST] 23,455
[INTEREST-OTHER] 16
[INTEREST-TOTAL] 53,034
[INTEREST-DEPOSIT] 17,172
[INTEREST-EXPENSE] 32,920
[INTEREST-INCOME-NET] 20,114
[LOAN-LOSSES] 450
[SECURITIES-GAINS] (501)
[EXPENSE-OTHER] 18,757
[INCOME-PRETAX] 3,921
[INCOME-PRE-EXTRAORDINARY] 3,921
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 3,288
[EPS-BASIC] 0.49
[EPS-DILUTED] 0.49
[YIELD-ACTUAL] 7.29
[LOANS-NON] 2,271
[LOANS-PAST] 0
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 5,021
[CHARGE-OFFS] 396
[RECOVERIES] 206
[ALLOWANCE-CLOSE] 5,281
[ALLOWANCE-DOMESTIC] 5,281
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 1,814
</TABLE>
