<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<S> <C> <C>
<PERIOD-TYPE> 9-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 24,189 27,504
<INT-BEARING-DEPOSITS> 10,848 22,307
<FED-FUNDS-SOLD> 33,050 2,285
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 58,216 119,997
<INVESTMENTS-CARRYING> 49,083 52,671
<INVESTMENTS-MARKET> 48,079 51,607
<LOANS> 730,134 612,954
<ALLOWANCE> 7,773 6,584
<TOTAL-ASSETS> 928,820 858,855
<DEPOSITS> 769,008 684,532
<SHORT-TERM> 41,200 55,000
<LIABILITIES-OTHER> 8,651 12,903
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 51,881 51,509
<OTHER-SE> 58,080 54,911
<TOTAL-LIABILITIES-AND-EQUITY> 928,820 858,855
<INTEREST-LOAN> 45,658 37,253
<INTEREST-INVEST> 7,477 6,953
<INTEREST-OTHER> 755 836
<INTEREST-TOTAL> 53,890 45,042
<INTEREST-DEPOSIT> 22,476 18,495
<INTEREST-EXPENSE> 25,060 19,114
<INTEREST-INCOME-NET> 28,830 25,928
<LOAN-LOSSES> 1,365 665
<SECURITIES-GAINS> (1,917) 20
<EXPENSE-OTHER> 20,683 16,257
<INCOME-PRETAX> 9,302 13,385
<INCOME-PRE-EXTRAORDINARY> 9,302 13,385
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 5,599 8,749
<EPS-BASIC> 0.63 0.98
<EPS-DILUTED> 0.61 0.94
<YIELD-ACTUAL> 4.51 4.61
<LOANS-NON> 992 897
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 243 260
<LOANS-PROBLEM> 3,750 1,250
<ALLOWANCE-OPEN> 6,674 6,100
<CHARGE-OFFS> 333 272
<RECOVERIES> 67 91
<ALLOWANCE-CLOSE> 7,773 6,584
<ALLOWANCE-DOMESTIC> 6,358 4,764
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 1,415 1,820
</TABLE>