<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q
DATED NOVEMBER 13, 2000 FOR THE PERIOD ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             SEP-30-1999
<CASH>                                          19,910                  26,689
<INT-BEARING-DEPOSITS>                             229                     363
<FED-FUNDS-SOLD>                                76,995                   2,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     39,969                  39,361
<INVESTMENTS-CARRYING>                          44,325                   6,154
<INVESTMENTS-MARKET>                            44,223                   6,200
<LOANS>                                        762,579                 518,791
<ALLOWANCE>                                      8,239                   4,364
<TOTAL-ASSETS>                                 933,528                 608,144
<DEPOSITS>                                     828,695                 516,466
<SHORT-TERM>                                     7,802                  20,268
<LIABILITIES-OTHER>                              5,542                   3,739
<LONG-TERM>                                     32,979                  20,593
<PREFERRED-MANDATORY>                           23,000                  23,000
<PREFERRED>                                          0                       0
<COMMON>                                         3,665                   1,520
<OTHER-SE>                                      31,845                  22,808
<TOTAL-LIABILITIES-AND-EQUITY>                 933,528                 608,144
<INTEREST-LOAN>                                 56,919                  29,820
<INTEREST-INVEST>                                3,226                   1,766
<INTEREST-OTHER>                                   125                     546
<INTEREST-TOTAL>                                60,270                  32,132
<INTEREST-DEPOSIT>                              27,721                  14,265
<INTEREST-EXPENSE>                              32,360                  16,384
<INTEREST-INCOME-NET>                           27,910                  15,748
<LOAN-LOSSES>                                    3,429                   2,174
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 17,846                  11,052
<INCOME-PRETAX>                                 11,568                   5,275
<INCOME-PRE-EXTRAORDINARY>                       7,396                   3,450
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     7,396                   3,450
<EPS-BASIC>                                        .97                     .46
<EPS-DILUTED>                                      .97                     .46
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                      2,550                     705
<LOANS-PAST>                                       489                     621
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 5,322                   2,187
<CHARGE-OFFS>                                      594                      34
<RECOVERIES>                                        82                      37
<ALLOWANCE-CLOSE>                                8,239                   4,364
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          8,239                   4,364


</TABLE>