<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 40,604 <INT-BEARING-DEPOSITS> 22 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 197,402 <INVESTMENTS-CARRYING> 84,945 <INVESTMENTS-MARKET> 84,031 <LOANS> 822,168 <ALLOWANCE> 11,184 <TOTAL-ASSETS> 1,206,762 <DEPOSITS> 1,036,493 <SHORT-TERM> 13,668 <LIABILITIES-OTHER> 17,713 <LONG-TERM> 19,975 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 31,061 <OTHER-SE> 87,852 <TOTAL-LIABILITIES-AND-EQUITY> 1,206,762 <INTEREST-LOAN> 54,145 <INTEREST-INVEST> 12,048 <INTEREST-OTHER> 269 <INTEREST-TOTAL> 66,462 <INTEREST-DEPOSIT> 30,707 <INTEREST-EXPENSE> 32,288 <INTEREST-INCOME-NET> 34,174 <LOAN-LOSSES> 4,068 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 31,604 <INCOME-PRETAX> 12,299 <INCOME-PRE-EXTRAORDINARY> 12,299 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,898 <EPS-BASIC> 1.45 <EPS-DILUTED> 1.45 <YIELD-ACTUAL> 4.43 <LOANS-NON> 774 <LOANS-PAST> 8,191 <LOANS-TROUBLED> 112 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 10,058 <CHARGE-OFFS> 3,357 <RECOVERIES> 415 <ALLOWANCE-CLOSE> 11,184 <ALLOWANCE-DOMESTIC> 11,184 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0