<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