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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 22,348
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 24,560
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 45,200
<INVESTMENTS-CARRYING> 2,515
<INVESTMENTS-MARKET> 2,516
<LOANS> 632,763
<ALLOWANCE> 10,356
<TOTAL-ASSETS> 762,590
<DEPOSITS> 620,582
<SHORT-TERM> 4,737
<LIABILITIES-OTHER> 10,497
<LONG-TERM> 62,031
0
0
<COMMON> 13,637
<OTHER-SE> 51,106
<TOTAL-LIABILITIES-AND-EQUITY> 762,590
<INTEREST-LOAN> 45,965
<INTEREST-INVEST> 2,655
<INTEREST-OTHER> 760
<INTEREST-TOTAL> 49,380
<INTEREST-DEPOSIT> 17,940
<INTEREST-EXPENSE> 20,656
<INTEREST-INCOME-NET> 28,724
<LOAN-LOSSES> 3,916
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 20,213
<INCOME-PRETAX> 9,314
<INCOME-PRE-EXTRAORDINARY> 9,314
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,977
<EPS-BASIC> 4.39
<EPS-DILUTED> 4.35
<YIELD-ACTUAL> 5.51
<LOANS-NON> 4,461
<LOANS-PAST> 841
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 13,899
<ALLOWANCE-OPEN> 10,332
<CHARGE-OFFS> 4,842
<RECOVERIES> 950
<ALLOWANCE-CLOSE> 10,356
<ALLOWANCE-DOMESTIC> 10,356
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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