<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED SEPTEMBER
30, 2000 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-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 22,944
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 3,378
<INVESTMENTS-HELD-FOR-SALE> 18,763
<INVESTMENTS-CARRYING> 78,722
<INVESTMENTS-MARKET> 77,512
<LOANS> 289,704
<ALLOWANCE> 3,793
<TOTAL-ASSETS> 434,125
<DEPOSITS> 338,399
<SHORT-TERM> 46,175
<LIABILITIES-OTHER> 6,245
<LONG-TERM> 6,585
<COMMON> 137
0
0
<OTHER-SE> 36,721
<TOTAL-LIABILITIES-AND-EQUITY> 434,125
<INTEREST-LOAN> 19,015
<INTEREST-INVEST> 4,222
<INTEREST-OTHER> 126
<INTEREST-TOTAL> 23,363
<INTEREST-DEPOSIT> 9,571
<INTEREST-EXPENSE> 11,659
<INTEREST-INCOME-NET> 11,704
<LOAN-LOSSES> 540
<SECURITIES-GAINS> 6
<EXPENSE-OTHER> 8,143
<INCOME-PRETAX> 5,976
<INCOME-PRE-EXTRAORDINARY> 4,001
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,001
<EPS-BASIC> .65
<EPS-DILUTED> .65
<YIELD-ACTUAL> 4.17
<LOANS-NON> 383
<LOANS-PAST> 1,944
<LOANS-TROUBLED> 851
<LOANS-PROBLEM> 2,325
<ALLOWANCE-OPEN> 3,343
<CHARGE-OFFS> 171
<RECOVERIES> 81
<ALLOWANCE-CLOSE> 3,793
<ALLOWANCE-DOMESTIC> 3,793
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 209
</TABLE>