<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
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   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>