<TABLE> <S> <C>


<ARTICLE>                                                    9
<MULTIPLIER>                                             1,000

<S>                                                         <C>
<PERIOD-TYPE>                                             9-MOS
<FISCAL-YEAR-END>                                       DEC-31-2000
<PERIOD-END>                                            SEP-30-2000
<CASH>                                                   25,125
<INT-BEARING-DEPOSITS>                                        0
<FED-FUNDS-SOLD>                                          3,427
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                              45,474
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 537,709
<ALLOWANCE>                                               8,511
<TOTAL-ASSETS>                                          644,216
<DEPOSITS>                                              527,312
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                       7,020
<LONG-TERM>                                              54,593
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 15,899
<OTHER-SE>                                               26,942
<TOTAL-LIABILITIES-AND-EQUITY>                          644,216
<INTEREST-LOAN>                                          36,848
<INTEREST-INVEST>                                         3,014
<INTEREST-OTHER>                                            332
<INTEREST-TOTAL>                                         40,194
<INTEREST-DEPOSIT>                                       17,646
<INTEREST-EXPENSE>                                       21,400
<INTEREST-INCOME-NET>                                    18,794
<LOAN-LOSSES>                                             4,375
<SECURITIES-GAINS>                                          110
<EXPENSE-OTHER>                                          14,317
<INCOME-PRETAX>                                           4,322
<INCOME-PRE-EXTRAORDINARY>                                4,322
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              3,741
<EPS-BASIC>                                               .54
<EPS-DILUTED>                                               .53
<YIELD-ACTUAL>                                             4.80
<LOANS-NON>                                              10,542
<LOANS-PAST>                                              6,933
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          6,863
<CHARGE-OFFS>                                             2,827
<RECOVERIES>                                                100
<ALLOWANCE-CLOSE>                                         8,511
<ALLOWANCE-DOMESTIC>                                      8,511
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                   2,277





</TABLE>