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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND THE CONSOLIDATED CONDENSED INCOME
STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 31,770
<INT-BEARING-DEPOSITS> 1,763
<FED-FUNDS-SOLD> 12,860
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 266,977
<INVESTMENTS-CARRYING> 13,155
<INVESTMENTS-MARKET> 13,129
<LOANS> 786,156
<ALLOWANCE> 8,595
<TOTAL-ASSETS> 1,174,620
<DEPOSITS> 1,025,280
<SHORT-TERM> 13,124
<LIABILITIES-OTHER> 22,480
<LONG-TERM> 6,542
0
0
<COMMON> 2,937
<OTHER-SE> 70,335
<TOTAL-LIABILITIES-AND-EQUITY> 1,174,620
<INTEREST-LOAN> 49,300
<INTEREST-INVEST> 13,091
<INTEREST-OTHER> 462
<INTEREST-TOTAL> 62,853
<INTEREST-DEPOSIT> 29,512
<INTEREST-EXPENSE> 4,048
<INTEREST-INCOME-NET> 29,293
<LOAN-LOSSES> 1,158
<SECURITIES-GAINS> (36)
<EXPENSE-OTHER> 24,317
<INCOME-PRETAX> 10,292
<INCOME-PRE-EXTRAORDINARY> 10,292
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 7,270
<EPS-BASIC> 1.24
<EPS-DILUTED> 1.24
<YIELD-ACTUAL> 3.77
<LOANS-NON> 3,606
<LOANS-PAST> 379
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 7,718
<CHARGE-OFFS> 684
<RECOVERIES> 403
<ALLOWANCE-CLOSE> 8,595
<ALLOWANCE-DOMESTIC> 5,823
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,772
</TABLE>
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