<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 26,248
<INT-BEARING-DEPOSITS> 12,633
<FED-FUNDS-SOLD> 38,215
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 70,451
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 557,915
<ALLOWANCE> 5,679
<TOTAL-ASSETS> 735,186
<DEPOSITS> 579,617
<SHORT-TERM> 15,369
<LIABILITIES-OTHER> 6,258
<LONG-TERM> 62,125
0
0
<COMMON> 1,217
<OTHER-SE> 70,474
<TOTAL-LIABILITIES-AND-EQUITY> 735,186
<INTEREST-LOAN> 37,531
<INTEREST-INVEST> 3,216
<INTEREST-OTHER> 1,281
<INTEREST-TOTAL> 42,028
<INTEREST-DEPOSIT> 17,042
<INTEREST-EXPENSE> 20,337
<INTEREST-INCOME-NET> 21,691
<LOAN-LOSSES> 1,095
<SECURITIES-GAINS> (20)
<EXPENSE-OTHER> 15,256
<INCOME-PRETAX> 9,551
<INCOME-PRE-EXTRAORDINARY> 9,551
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,307
<EPS-BASIC> 0.66
<EPS-DILUTED> 0.66
<YIELD-ACTUAL> 4.62
<LOANS-NON> 1,971
<LOANS-PAST> 1,140
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5037
<CHARGE-OFFS> 537
<RECOVERIES> 83
<ALLOWANCE-CLOSE> 5,679
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
