<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 31,585 <INT-BEARING-DEPOSITS> 7,279 <FED-FUNDS-SOLD> 12,455 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 113,230 <INVESTMENTS-CARRYING> 32,860 <INVESTMENTS-MARKET> 32,288 <LOANS> 479,392 <ALLOWANCE> 9,028 <TOTAL-ASSETS> 703,542 <DEPOSITS> 612,362 <SHORT-TERM> 537 <LIABILITIES-OTHER> 10,870 <LONG-TERM> 25,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,162 <OTHER-SE> 47,611 <TOTAL-LIABILITIES-AND-EQUITY> 703,542 <INTEREST-LOAN> 39,010 <INTEREST-INVEST> 6,228 <INTEREST-OTHER> 1,876 <INTEREST-TOTAL> 47,114 <INTEREST-DEPOSIT> 17,932 <INTEREST-EXPENSE> 1,999 <INTEREST-INCOME-NET> 27,183 <LOAN-LOSSES> 6,778 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,473 <INCOME-PRETAX> 5,151 <INCOME-PRE-EXTRAORDINARY> 5,151 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,301 <EPS-BASIC> 0.47 <EPS-DILUTED> 0.47 <YIELD-ACTUAL> 5.64 <LOANS-NON> 3,155 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,537 <CHARGE-OFFS> 6,473 <RECOVERIES> 1,186 <ALLOWANCE-CLOSE> 9,028 <ALLOWANCE-DOMESTIC> 6,388 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,640