<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         000790183
<NAME>                        Michael B. High
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. Dollars

                             
<PERIOD-TYPE>                   9-Mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Sep-30-2000
<EXCHANGE-RATE>                                1
<CASH>                                         18,076
<INT-BEARING-DEPOSITS>                         16,380
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    203,518
<INVESTMENTS-CARRYING>                         35,382
<INVESTMENTS-MARKET>                           32,031
<LOANS>                                        562,143
<ALLOWANCE>                                    6,513
<TOTAL-ASSETS>                                 878,294
<DEPOSITS>                                     589,645
<SHORT-TERM>                                   93,689
<LIABILITIES-OTHER>                            27,912
<LONG-TERM>                                    98,500
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       5,822
<OTHER-SE>                                     42,501
<TOTAL-LIABILITIES-AND-EQUITY>                 878,294
<INTEREST-LOAN>                                37,488
<INTEREST-INVEST>                              10,330
<INTEREST-OTHER>                               894
<INTEREST-TOTAL>                               48,712
<INTEREST-DEPOSIT>                             17,159
<INTEREST-EXPENSE>                             25,106
<INTEREST-INCOME-NET>                          23,606
<LOAN-LOSSES>                                  2,750
<SECURITIES-GAINS>                             263
<EXPENSE-OTHER>                                27,513
<INCOME-PRETAX>                                6,340
<INCOME-PRE-EXTRAORDINARY>                     4,231
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5,873
<EPS-BASIC>                                    1.01
<EPS-DILUTED>                                  0.97
<YIELD-ACTUAL>                                 4.24
<LOANS-NON>                                    7,884
<LOANS-PAST>                                   2,015
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               5,927
<CHARGE-OFFS>                                  2,779
<RECOVERIES>                                   615
<ALLOWANCE-CLOSE>                              6,513
<ALLOWANCE-DOMESTIC>                           6,513
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0