<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          28,746
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,707
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    277,772
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        386,074
<ALLOWANCE>                                      3,808
<TOTAL-ASSETS>                                 728,418
<DEPOSITS>                                     437,069
<SHORT-TERM>                                    85,579
<LIABILITIES-OTHER>                              5,139
<LONG-TERM>                                    155,916
<PREFERRED-MANDATORY>                           12,068
<PREFERRED>                                          0
<COMMON>                                           487
<OTHER-SE>                                      32,160
<TOTAL-LIABILITIES-AND-EQUITY>                 728,418
<INTEREST-LOAN>                                 21,988
<INTEREST-INVEST>                               13,822
<INTEREST-OTHER>                                    43
<INTEREST-TOTAL>                                35,853
<INTEREST-DEPOSIT>                               9,407
<INTEREST-EXPENSE>                              20,958
<INTEREST-INCOME-NET>                           14,895
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                 402
<EXPENSE-OTHER>                                 15,844
<INCOME-PRETAX>                                  5,342
<INCOME-PRE-EXTRAORDINARY>                       5,342
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,455
<EPS-BASIC>                                       1.13
<EPS-DILUTED>                                     1.08
<YIELD-ACTUAL>                                    7.20
<LOANS-NON>                                        280
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,701
<CHARGE-OFFS>                                    (182)
<RECOVERIES>                                       229
<ALLOWANCE-CLOSE>                                3,808
<ALLOWANCE-DOMESTIC>                             2,140
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,668