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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 10,095
<INT-BEARING-DEPOSITS> 457
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 159,064
<INVESTMENTS-CARRYING> 364,142
<INVESTMENTS-MARKET> 359,425
<LOANS> 298,483
<ALLOWANCE> 1,897
<TOTAL-ASSETS> 706,739
<DEPOSITS> 416,962
<SHORT-TERM> 59,390
<LIABILITIES-OTHER> 10,922
<LONG-TERM> 168,359
0
0
<COMMON> 529
<OTHER-SE> 50,577
<TOTAL-LIABILITIES-AND-EQUITY> 706,739
<INTEREST-LOAN> 17,325
<INTEREST-INVEST> 19,066
<INTEREST-OTHER> 213
<INTEREST-TOTAL> 36,604
<INTEREST-DEPOSIT> 11,297
<INTEREST-EXPENSE> 21,825
<INTEREST-INCOME-NET> 14,779
<LOAN-LOSSES> 264
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 11,109
<INCOME-PRETAX> 4,556
<INCOME-PRE-EXTRAORDINARY> 4,556
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,156
<EPS-BASIC> 1.24
<EPS-DILUTED> 1.20
<YIELD-ACTUAL> 2.87
<LOANS-NON> 0
<LOANS-PAST> 1,303
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,917
<CHARGE-OFFS> 284
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,897
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,897
</TABLE>
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