<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 28,841 <INT-BEARING-DEPOSITS> 600 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 150,346 <INVESTMENTS-CARRYING> 31,702 <INVESTMENTS-MARKET> 31,300 <LOANS> 394,980 <ALLOWANCE> 7,309 <TOTAL-ASSETS> 640,443 <DEPOSITS> 556,500 <SHORT-TERM> 24,698 <LIABILITIES-OTHER> 6,315 <LONG-TERM> 3,169 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 35,808 <OTHER-SE> 13,953 <TOTAL-LIABILITIES-AND-EQUITY> 640,443 <INTEREST-LOAN> 27,899 <INTEREST-INVEST> 8,543 <INTEREST-OTHER> 451 <INTEREST-TOTAL> 36,893 <INTEREST-DEPOSIT> 13,778 <INTEREST-EXPENSE> 14,937 <INTEREST-INCOME-NET> 21,956 <LOAN-LOSSES> 2,323 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 16,686 <INCOME-PRETAX> 7,078 <INCOME-PRE-EXTRAORDINARY> 4,960 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,960 <EPS-BASIC> 1.10 <EPS-DILUTED> 1.07 <YIELD-ACTUAL> 5.40 <LOANS-NON> 1,896 <LOANS-PAST> 16 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,542 <CHARGE-OFFS> 1,918 <RECOVERIES> 362 <ALLOWANCE-CLOSE> 7,309 <ALLOWANCE-DOMESTIC> 7,309 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0