<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
     Form 10-Q filed as of September 30, 2000.
</LEGEND>
<MULTIPLIER>                                     1,000

                                        
<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          25,878
<INT-BEARING-DEPOSITS>                             184
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    329,421
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        724,328
<ALLOWANCE>                                     11,206
<TOTAL-ASSETS>                               1,122,605
<DEPOSITS>                                     754,675
<SHORT-TERM>                                   115,131
<LIABILITIES-OTHER>                              8,205
<LONG-TERM>                                    138,518
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        66,279
<OTHER-SE>                                      10,785
<TOTAL-LIABILITIES-AND-EQUITY>               1,122,605
<INTEREST-LOAN>                                 46,533
<INTEREST-INVEST>                               13,611
<INTEREST-OTHER>                                 2,671
<INTEREST-TOTAL>                                62,835
<INTEREST-DEPOSIT>                              22,591
<INTEREST-EXPENSE>                              32,511
<INTEREST-INCOME-NET>                           30,324
<LOAN-LOSSES>                                    1,722
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                 23,097
<INCOME-PRETAX>                                 12,094
<INCOME-PRE-EXTRAORDINARY>                      12,094
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,444
<EPS-BASIC>                                       1.29
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    4.31
<LOANS-NON>                                      1,946
<LOANS-PAST>                                       610
<LOANS-TROUBLED>                                   945
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,264
<CHARGE-OFFS>                                    1,063
<RECOVERIES>                                       283
<ALLOWANCE-CLOSE>                               11,206
<ALLOWANCE-DOMESTIC>                            10,513
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            693