<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
These schedules contain summary financial information extracted from the
consolidated balance sheets, the consolidated statements of income, and Company
records, and are qualified in their entirety by reference to such financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                              30,204
<INT-BEARING-DEPOSITS>                               1,025
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        149,543
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            598,705
<ALLOWANCE>                                          7,264
<TOTAL-ASSETS>                                     854,420
<DEPOSITS>                                         660,810
<SHORT-TERM>                                        30,086
<LIABILITIES-OTHER>                                  8,088
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                            905
<COMMON>                                            27,632
<OTHER-SE>                                          63,165
<TOTAL-LIABILITIES-AND-EQUITY>                     854,420
<INTEREST-LOAN>                                     41,823
<INTEREST-INVEST>                                    6,652
<INTEREST-OTHER>                                       370
<INTEREST-TOTAL>                                    48,845
<INTEREST-DEPOSIT>                                  19,432
<INTEREST-EXPENSE>                                  23,093
<INTEREST-INCOME-NET>                               25,752
<LOAN-LOSSES>                                        1,717
<SECURITIES-GAINS>                                       6
<EXPENSE-OTHER>                                      3,243
<INCOME-PRETAX>                                      9,872
<INCOME-PRE-EXTRAORDINARY>                           9,872
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         6,967
<EPS-BASIC>                                           0.62
<EPS-DILUTED>                                         0.58
<YIELD-ACTUAL>                                        8.61
<LOANS-NON>                                          3,611
<LOANS-PAST>                                         1,968
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     7,400
<CHARGE-OFFS>                                        2,049
<RECOVERIES>                                           196
<ALLOWANCE-CLOSE>                                    7,264
<ALLOWANCE-DOMESTIC>                                 7,264
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                146



</TABLE>