<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Sep-30-2000 <CASH> 27,881 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 184,297 <INVESTMENTS-CARRYING> 26,776 <INVESTMENTS-MARKET> 26,686 <LOANS> 834,689 <ALLOWANCE> 7,108 <TOTAL-ASSETS> 1,103,780 <DEPOSITS> 919,489 <SHORT-TERM> 57,104 <LIABILITIES-OTHER> 5,070 <LONG-TERM> 40,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 81,599 <TOTAL-LIABILITIES-AND-EQUITY> 1,103,780 <INTEREST-LOAN> 48,499 <INTEREST-INVEST> 10,296 <INTEREST-OTHER> 360 <INTEREST-TOTAL> 59,155 <INTEREST-DEPOSIT> 24,146 <INTEREST-EXPENSE> 27,499 <INTEREST-INCOME-NET> 31,656 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 26,243 <INCOME-PRETAX> 14,863 <INCOME-PRE-EXTRAORDINARY> 9,152 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,152 <EPS-BASIC> 1.91 <EPS-DILUTED> 1.89 <YIELD-ACTUAL> 4.07 <LOANS-NON> 2,243 <LOANS-PAST> 52 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,870 <CHARGE-OFFS> 524 <RECOVERIES> 312 <ALLOWANCE-CLOSE> 7,108 <ALLOWANCE-DOMESTIC> 7,108 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0