<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-Q and is qualified in its entirely by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-2000
<CASH> 23,227
<INT-BEARING-DEPOSITS> 457
<FED-FUNDS-SOLD> 5,049
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 131,020
<INVESTMENTS-CARRYING> 9,184
<INVESTMENTS-MARKET> 9,257
<LOANS> 372,125
<ALLOWANCE> (4,494)
<TOTAL-ASSETS> 563,455
<DEPOSITS> 478,325
<SHORT-TERM> 8,585
<LIABILITIES-OTHER> 4,363
<LONG-TERM> 4,000
0
0
<COMMON> 69,943
<OTHER-SE> (1,761)
<TOTAL-LIABILITIES-AND-EQUITY> 563,455
<INTEREST-LOAN> 25,492
<INTEREST-INVEST> 6,493
<INTEREST-OTHER> 284
<INTEREST-TOTAL> 32,269
<INTEREST-DEPOSIT> 13,540
<INTEREST-EXPENSE> 14,276
<INTEREST-INCOME-NET> 17,993
<LOAN-LOSSES> 911
<SECURITIES-GAINS> 2
<EXPENSE-OTHER> 13,260
<INCOME-PRETAX> 7,791
<INCOME-PRE-EXTRAORDINARY> 5,520
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,520
<EPS-BASIC> 0.64
<EPS-DILUTED> 0.64
<YIELD-ACTUAL> 4.69
<LOANS-NON> 2,513
<LOANS-PAST> 273
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,518
<ALLOWANCE-OPEN> 4,128
<CHARGE-OFFS> 1,096
<RECOVERIES> 551
<ALLOWANCE-CLOSE> 4,494
<ALLOWANCE-DOMESTIC> 4,181
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 313
</TABLE>