<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from Form 10-Q
and is qualified in its entirety by reference to such financial statements.)
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 44,982
<INT-BEARING-DEPOSITS> 5,191
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 79,199
<INVESTMENTS-CARRYING> 60,307
<INVESTMENTS-MARKET> 59,087
<LOANS> 1,039,769
<ALLOWANCE> 11,096
<TOTAL-ASSETS> 1,320,586
<DEPOSITS> 861,263
<SHORT-TERM> 139,031
<LIABILITIES-OTHER> 12,657
<LONG-TERM> 187,000
0
0
<COMMON> 66
<OTHER-SE> 88,635
<TOTAL-LIABILITIES-AND-EQUITY> 1,320,586
<INTEREST-LOAN> 59,762
<INTEREST-INVEST> 7,977
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 67,739
<INTEREST-DEPOSIT> 23,303
<INTEREST-EXPENSE> 40,638
<INTEREST-INCOME-NET> 27,101
<LOAN-LOSSES> 750
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 26,457
<INCOME-PRETAX> 11,408
<INCOME-PRE-EXTRAORDINARY> 11,408
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 7,391
<EPS-BASIC> 1.56
<EPS-DILUTED> 1.53
<YIELD-ACTUAL> 3.02
<LOANS-NON> 805
<LOANS-PAST> 0
<LOANS-TROUBLED> 232
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 10,654
<CHARGE-OFFS> 426
<RECOVERIES> 118
<ALLOWANCE-CLOSE> 11,096
<ALLOWANCE-DOMESTIC> 11,096
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>