<TABLE> <S> <C>
<ARTICLE> 9
<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> 9,997
<INT-BEARING-DEPOSITS> 338
<FED-FUNDS-SOLD> 122
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 54,010
<INVESTMENTS-CARRYING> 4,947
<INVESTMENTS-MARKET> 4,891
<LOANS> 580,831
<ALLOWANCE> 6,863
<TOTAL-ASSETS> 672,405
<DEPOSITS> 541,596
<SHORT-TERM> 0
<LIABILITIES-OTHER> 3,568
<LONG-TERM> 78,775
0
0
<COMMON> 2,701
<OTHER-SE> 45,765
<TOTAL-LIABILITIES-AND-EQUITY> 672,405
<INTEREST-LOAN> 36,554
<INTEREST-INVEST> 2,800
<INTEREST-OTHER> 317
<INTEREST-TOTAL> 39,671
<INTEREST-DEPOSIT> 17,589
<INTEREST-EXPENSE> 21,048
<INTEREST-INCOME-NET> 18,623
<LOAN-LOSSES> 1,566
<SECURITIES-GAINS> (6)
<EXPENSE-OTHER> 11,331
<INCOME-PRETAX> 7,663
<INCOME-PRE-EXTRAORDINARY> 7,663
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,101
<EPS-BASIC> 0.97
<EPS-DILUTED> 0.97
<YIELD-ACTUAL> 4.10
<LOANS-NON> 1,056
<LOANS-PAST> 2,510
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,566
<ALLOWANCE-OPEN> 6,133
<CHARGE-OFFS> 971
<RECOVERIES> 135
<ALLOWANCE-CLOSE> 6,863
<ALLOWANCE-DOMESTIC> 6,863
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>