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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 11,291,000
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 1,409,000
<INVESTMENTS-HELD-FOR-SALE> 38,575,000
<INVESTMENTS-CARRYING> 39,546,000
<INVESTMENTS-MARKET> 13,202,000
<LOANS> 438,256,000
<ALLOWANCE> 3,188,000
<TOTAL-ASSETS> 534,238,000
<DEPOSITS> 336,906,000
<SHORT-TERM> 114,044,000
<LIABILITIES-OTHER> 25,663,000
<LONG-TERM> 20,000,000
0
0
<COMMON> 2,699,000
<OTHER-SE> 34,926,000
<TOTAL-LIABILITIES-AND-EQUITY> 534,238,000
<INTEREST-LOAN> 27,764,000
<INTEREST-INVEST> 2,331,000
<INTEREST-OTHER> 508,000
<INTEREST-TOTAL> 30,603,000
<INTEREST-DEPOSIT> 12,278,000
<INTEREST-EXPENSE> 17,751,000
<INTEREST-INCOME-NET> 12,852,000
<LOAN-LOSSES> 715,000
<SECURITIES-GAINS> 37,000
<EXPENSE-OTHER> 22,085,000
<INCOME-PRETAX> 3,329,000
<INCOME-PRE-EXTRAORDINARY> 3,329,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,348,000
<EPS-BASIC> .87
<EPS-DILUTED> .87
<YIELD-ACTUAL> 3.70
<LOANS-NON> 1,026,939
<LOANS-PAST> 1,678,590
<LOANS-TROUBLED> 710,472
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,182,000
<CHARGE-OFFS> 739,407
<RECOVERIES> 30,679
<ALLOWANCE-CLOSE> 3,188,000
<ALLOWANCE-DOMESTIC> 3,188,000
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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