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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(Replace this text with the legend)
</LEGEND>
<CIK> 000790183
<NAME> Michael B. High
<MULTIPLIER> 1000
<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> 18,076
<INT-BEARING-DEPOSITS> 16,380
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 203,518
<INVESTMENTS-CARRYING> 35,382
<INVESTMENTS-MARKET> 32,031
<LOANS> 562,143
<ALLOWANCE> 6,513
<TOTAL-ASSETS> 878,294
<DEPOSITS> 589,645
<SHORT-TERM> 93,689
<LIABILITIES-OTHER> 27,912
<LONG-TERM> 98,500
0
0
<COMMON> 5,822
<OTHER-SE> 42,501
<TOTAL-LIABILITIES-AND-EQUITY> 878,294
<INTEREST-LOAN> 37,488
<INTEREST-INVEST> 10,330
<INTEREST-OTHER> 894
<INTEREST-TOTAL> 48,712
<INTEREST-DEPOSIT> 17,159
<INTEREST-EXPENSE> 25,106
<INTEREST-INCOME-NET> 23,606
<LOAN-LOSSES> 2,750
<SECURITIES-GAINS> 263
<EXPENSE-OTHER> 27,513
<INCOME-PRETAX> 6,340
<INCOME-PRE-EXTRAORDINARY> 4,231
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,873
<EPS-BASIC> 1.01
<EPS-DILUTED> 0.97
<YIELD-ACTUAL> 4.24
<LOANS-NON> 7,884
<LOANS-PAST> 2,015
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5,927
<CHARGE-OFFS> 2,779
<RECOVERIES> 615
<ALLOWANCE-CLOSE> 6,513
<ALLOWANCE-DOMESTIC> 6,513
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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