<ARTICLE> 9
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             SEP-30-1999
<CASH>                                          25,072                  29,441
<INT-BEARING-DEPOSITS>                           1,378                     532
<FED-FUNDS-SOLD>                                     0                   2,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    253,964                 249,866
<INVESTMENTS-CARRYING>                               0                  10,403
<INVESTMENTS-MARKET>                                 0                  10,480
<LOANS>                                      1,020,633                 821,008
<ALLOWANCE>                                     12,925                  13,203
<TOTAL-ASSETS>                               1,458,884               1,223,114
<DEPOSITS>                                   1,015,222                 941,362
<SHORT-TERM>                                   303,190                  98,139
<LIABILITIES-OTHER>                             21,052                  20,523
<LONG-TERM>                                     32,135                  86,003
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            71                      71
<OTHER-SE>                                           0                       0
<TOTAL-LIABILITIES-AND-EQUITY>               1,458,884               1,223,114
<INTEREST-LOAN>                                 62,230                  45,935
<INTEREST-INVEST>                               13,669                  12,901
<INTEREST-OTHER>                                    61                      47
<INTEREST-TOTAL>                                75,963                  59,645
<INTEREST-DEPOSIT>                              28,224                  22,697
<INTEREST-EXPENSE>                              43,005                  30,184
<INTEREST-INCOME-NET>                           32,958                  29,461
<LOAN-LOSSES>                                    2,340                     897
<SECURITIES-GAINS>                                   0                       1
<EXPENSE-OTHER>                                 26,638                  24,964
<INCOME-PRETAX>                                 12,098                  10,494
<INCOME-PRE-EXTRAORDINARY>                      12,098                  10,494
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     8,471                   7,072
<EPS-BASIC>                                       1.20                    1.10
<EPS-DILUTED>                                     1.19                    1.10
<YIELD-ACTUAL>                                    8.33                    7.49
<LOANS-NON>                                      9,561                  10,800
<LOANS-PAST>                                        60                     130
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                12,197                   6,344
<CHARGE-OFFS>                                    2,264                   4,054
<RECOVERIES>                                       652                     527
<ALLOWANCE-CLOSE>                               12,925                  13,203
<ALLOWANCE-DOMESTIC>                            12,925                  13,203
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0