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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-31-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 13,773
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 282
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 219,288
<INVESTMENTS-CARRYING> 3,072
<INVESTMENTS-MARKET> 3,094
<LOANS> 311,849
<ALLOWANCE> 2,860
<TOTAL-ASSETS> 568,744
<DEPOSITS> 451,495
<SHORT-TERM> 12,421
<LIABILITIES-OTHER> 2,975
<LONG-TERM> 73,200
11,453
0
<COMMON> 0
<OTHER-SE> 15,679
<TOTAL-LIABILITIES-AND-EQUITY> 568,744
<INTEREST-LOAN> 22,643
<INTEREST-INVEST> 7,906
<INTEREST-OTHER> 46
<INTEREST-TOTAL> 30,595
<INTEREST-DEPOSIT> 15,828
<INTEREST-EXPENSE> 17,771
<INTEREST-INCOME-NET> 12,824
<LOAN-LOSSES> 520
<SECURITIES-GAINS> 67
<EXPENSE-OTHER> 10,384
<INCOME-PRETAX> 5,254
<INCOME-PRE-EXTRAORDINARY> 5,254
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,516
<EPS-BASIC> .45
<EPS-DILUTED> .40
<YIELD-ACTUAL> 3.76
<LOANS-NON> 0
<LOANS-PAST> 683
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 202
<ALLOWANCE-OPEN> 2,480
<CHARGE-OFFS> 169
<RECOVERIES> 29
<ALLOWANCE-CLOSE> 2,860
<ALLOWANCE-DOMESTIC> 118
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,742
</TABLE>
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