<TABLE> <S> <C>

<ARTICLE>                                                  9
<LEGEND>
(1)  Basic earnings per share under SFAS No. 128
(2)  Diluted earnings per share under SFAS No. 128
(3)  Fully taxable equivalent
</LEGEND>
<MULTIPLIER>                                           1,000

<S>                             <C>                 <C>
<PERIOD-TYPE>                   YEAR                       9-MOS
<FISCAL-YEAR-END>               DEC-31-2000          DEC-31-1999
<PERIOD-END>                    SEP-30-2000          SEP-30-1999
<CASH>                               19,024               22,488
<INT-BEARING-DEPOSITS>                    0                    0
<FED-FUNDS-SOLD>                          0               23,000
<TRADING-ASSETS>                          0                    0
<INVESTMENTS-HELD-FOR-SALE>         367,697              351,177
<INVESTMENTS-CARRYING>                    0                    0
<INVESTMENTS-MARKET>                      0                    0
<LOANS>                             521,759              425,383
<ALLOWANCE>                           8,842                8,508
<TOTAL-ASSETS>                      944,661              858,129
<DEPOSITS>                          785,244              759,652
<SHORT-TERM>                         67,681                8,924
<LIABILITIES-OTHER>                  10,753                8,782
<LONG-TERM>                          23,723               24,195
<PREFERRED-MANDATORY>                     0                    0
<PREFERRED>                               0                    0
<COMMON>                              9,756                9,761
<OTHER-SE>                           47,504               46,815
<TOTAL-LIABILITIES-AND-EQUITY>      944,661              858,129
<INTEREST-LOAN>                      30,358               25,481
<INTEREST-INVEST>                    21,663               14,579
<INTEREST-OTHER>                        174                  439
<INTEREST-TOTAL>                     52,195               40,499
<INTEREST-DEPOSIT>                   24,696               18,314
<INTEREST-EXPENSE>                   26,975               19,527
<INTEREST-INCOME-NET>                25,220               20,972
<LOAN-LOSSES>                         1,070                1,060
<SECURITIES-GAINS>                     (238)                (620)
<EXPENSE-OTHER>                      19,034               15,648
<INCOME-PRETAX>                       8,286                6,560
<INCOME-PRE-EXTRAORDINARY>            6,113                4,804
<EXTRAORDINARY>                           0                    0
<CHANGES>                                 0                    0
<NET-INCOME>                          6,113                4,804
<EPS-BASIC>                            0.82                 0.63
<EPS-DILUTED>                          0.81                 0.63
<YIELD-ACTUAL>                         3.85                 4.07
<LOANS-NON>                           4,838                4,098
<LOANS-PAST>                            468                1,039
<LOANS-TROUBLED>                          0                    0
<LOANS-PROBLEM>                           0                    0
<ALLOWANCE-OPEN>                      8,529                8,384
<CHARGE-OFFS>                           996                1,226
<RECOVERIES>                            239                  290
<ALLOWANCE-CLOSE>                     8,842                8,508
<ALLOWANCE-DOMESTIC>                  8,351                6,905
<ALLOWANCE-FOREIGN>                       0                    0
<ALLOWANCE-UNALLOCATED>                 491                1,603




</TABLE>