<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Condensed Statement of Condition as of September 30, 2000
(unaudited) and the Consolidated Condensed Statement of Income for the nine
months ended September 30, 2000 (unaudited) and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 11,688
<INT-BEARING-DEPOSITS> 21
<FED-FUNDS-SOLD> 4,440
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 236,344
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 323,135
<ALLOWANCE> (6,056)
<TOTAL-ASSETS> 593,847
<DEPOSITS> 374,240
<SHORT-TERM> 104,939
<LIABILITIES-OTHER> 6,846
<LONG-TERM> 62,000
0
0
<COMMON> 5,896
<OTHER-SE> 39,926
<TOTAL-LIABILITIES-AND-EQUITY> 593,847
<INTEREST-LOAN> 19,756
<INTEREST-INVEST> 12,451
<INTEREST-OTHER> 634
<INTEREST-TOTAL> 32,841
<INTEREST-DEPOSIT> 9,654
<INTEREST-EXPENSE> 17,272
<INTEREST-INCOME-NET> 15,569
<LOAN-LOSSES> 354
<SECURITIES-GAINS> 601
<EXPENSE-OTHER> 8,733
<INCOME-PRETAX> 9,370
<INCOME-PRE-EXTRAORDINARY> 9,370
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,576
<EPS-BASIC> 1.26
<EPS-DILUTED> 1.21
<YIELD-ACTUAL> 3.61
<LOANS-NON> 741
<LOANS-PAST> 0
<LOANS-TROUBLED> 494
<LOANS-PROBLEM> 6,382
<ALLOWANCE-OPEN> 5,681
<CHARGE-OFFS> 240
<RECOVERIES> 261
<ALLOWANCE-CLOSE> 6,056
<ALLOWANCE-DOMESTIC> 4,759
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,297
</TABLE>