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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
the consolidated balance sheet, the consolidated statement of income and bank
records and is qualified in its entirety by reference to such report on Form
10-K.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1.000
<CASH> 24,413
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 181,200
<INVESTMENTS-CARRYING> 105,348
<INVESTMENTS-MARKET> 105,471
<LOANS> 1,124,816
<ALLOWANCE> 7,862
<TOTAL-ASSETS> 1,491,374
<DEPOSITS> 845,578
<SHORT-TERM> 232,575
<LIABILITIES-OTHER> 19,232
<LONG-TERM> 281,699
0
0
<COMMON> 4,067
<OTHER-SE> 108,223
<TOTAL-LIABILITIES-AND-EQUITY> 1,491,374
<INTEREST-LOAN> 74,591
<INTEREST-INVEST> 12,817
<INTEREST-OTHER> 276
<INTEREST-TOTAL> 87,684
<INTEREST-DEPOSIT> 27,335
<INTEREST-EXPENSE> 48,434
<INTEREST-INCOME-NET> 39,250
<LOAN-LOSSES> 1,006
<SECURITIES-GAINS> (161)
<EXPENSE-OTHER> 4,518
<INCOME-PRETAX> 14,525
<INCOME-PRE-EXTRAORDINARY> 9,781
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 9,781
<EPS-BASIC> .59
<EPS-DILUTED> .57
<YIELD-ACTUAL> 3.81
<LOANS-NON> 3,410
<LOANS-PAST> 1,279
<LOANS-TROUBLED> 780
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 7,862
<CHARGE-OFFS> 1,652
<RECOVERIES> 646
<ALLOWANCE-CLOSE> 7,862
<ALLOWANCE-DOMESTIC> 7,862
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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