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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(1) Basic earnings per share under SFAS No. 128
(2) Diluted earnings per share under SFAS No. 128
(3) Fully taxable equivalent
</LEGEND>
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> YEAR 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 19,024 22,488
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 0 23,000
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 367,697 351,177
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 521,759 425,383
<ALLOWANCE> 8,842 8,508
<TOTAL-ASSETS> 944,661 858,129
<DEPOSITS> 785,244 759,652
<SHORT-TERM> 67,681 8,924
<LIABILITIES-OTHER> 10,753 8,782
<LONG-TERM> 23,723 24,195
0 0
0 0
<COMMON> 9,756 9,761
<OTHER-SE> 47,504 46,815
<TOTAL-LIABILITIES-AND-EQUITY> 944,661 858,129
<INTEREST-LOAN> 30,358 25,481
<INTEREST-INVEST> 21,663 14,579
<INTEREST-OTHER> 174 439
<INTEREST-TOTAL> 52,195 40,499
<INTEREST-DEPOSIT> 24,696 18,314
<INTEREST-EXPENSE> 26,975 19,527
<INTEREST-INCOME-NET> 25,220 20,972
<LOAN-LOSSES> 1,070 1,060
<SECURITIES-GAINS> (238) (620)
<EXPENSE-OTHER> 19,034 15,648
<INCOME-PRETAX> 8,286 6,560
<INCOME-PRE-EXTRAORDINARY> 6,113 4,804
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 6,113 4,804
<EPS-BASIC> 0.82 0.63
<EPS-DILUTED> 0.81 0.63
<YIELD-ACTUAL> 3.85 4.07
<LOANS-NON> 4,838 4,098
<LOANS-PAST> 468 1,039
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 8,529 8,384
<CHARGE-OFFS> 996 1,226
<RECOVERIES> 239 290
<ALLOWANCE-CLOSE> 8,842 8,508
<ALLOWANCE-DOMESTIC> 8,351 6,905
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 491 1,603
</TABLE>
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