<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               DEC-31-2000
<CASH>                                          33,409
<INT-BEARING-DEPOSITS>                           2,285
<FED-FUNDS-SOLD>                                16,675
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    289,083
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        645,680
<ALLOWANCE>                                      8,852
<TOTAL-ASSETS>                               1,020,558
<DEPOSITS>                                     881,966
<SHORT-TERM>                                    25,138
<LIABILITIES-OTHER>                             10,067
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,104
<OTHER-SE>                                      97,283
<TOTAL-LIABILITIES-AND-EQUITY>               1,020,558
<INTEREST-LOAN>                                 12,868
<INTEREST-INVEST>                                4,167
<INTEREST-OTHER>                                   834
<INTEREST-TOTAL>                                17,369
<INTEREST-DEPOSIT>                               7,285
<INTEREST-EXPENSE>                               7,578
<INTEREST-INCOME-NET>                            9,791
<LOAN-LOSSES>                                      210
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,942
<INCOME-PRETAX>                                  5,138
<INCOME-PRE-EXTRAORDINARY>                       3,460
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,460
<EPS-BASIC>                                       0.58
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0