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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements at September 30, 2000.
</LEGEND>
<S> <C> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 12,731
<INT-BEARING-DEPOSITS> 7
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 61,780
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 61,780
<LOANS> 492,329
<ALLOWANCE> 5,474
<TOTAL-ASSETS> 578,616
<DEPOSITS> 465,937
<SHORT-TERM> 33,858
<LIABILITIES-OTHER> 7,968
<LONG-TERM> 24,000
0
0
<COMMON> 44
<OTHER-SE> 46,809
<TOTAL-LIABILITIES-AND-EQUITY> 578,616
<INTEREST-LOAN> 28,874
<INTEREST-INVEST> 3,049
<INTEREST-OTHER> 288
<INTEREST-TOTAL> 32,211
<INTEREST-DEPOSIT> 15,582
<INTEREST-EXPENSE> 19,347
<INTEREST-INCOME-NET> 12,864
<LOAN-LOSSES> 760
<SECURITIES-GAINS> (96)
<EXPENSE-OTHER> 8,951
<INCOME-PRETAX> 5,234
<INCOME-PRE-EXTRAORDINARY> 5,234
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,379
<EPS-BASIC> .84
<EPS-DILUTED> .82
<YIELD-ACTUAL> 7.93
<LOANS-NON> 3,014
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,833
<CHARGE-OFFS> 139
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 5,474
<ALLOWANCE-DOMESTIC> 5,474
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 5,474
</TABLE>
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