<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 10,758 <INT-BEARING-DEPOSITS> 10,843 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 235 <INVESTMENTS-HELD-FOR-SALE> 52,997 <INVESTMENTS-CARRYING> 8,262 <INVESTMENTS-MARKET> 8,311 <LOANS> 730,603 <ALLOWANCE> 8,801 <TOTAL-ASSETS> 1,021,309 <DEPOSITS> 533,746 <SHORT-TERM> 141,477 <LIABILITIES-OTHER> 15,822 <LONG-TERM> 150,980 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 69 <OTHER-SE> 96,563 <TOTAL-LIABILITIES-AND-EQUITY> 1,021,309 <INTEREST-LOAN> 44,352 <INTEREST-INVEST> 3,458 <INTEREST-OTHER> 290 <INTEREST-TOTAL> 48,100 <INTEREST-DEPOSIT> 18,623 <INTEREST-EXPENSE> 31,554 <INTEREST-INCOME-NET> 16,546 <LOAN-LOSSES> 2,528 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 41,007 <INCOME-PRETAX> 12,003 <INCOME-PRE-EXTRAORDINARY> 12,003 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,827 <EPS-BASIC> 1.24 <EPS-DILUTED> 1.22 <YIELD-ACTUAL> 8.09 <LOANS-NON> 1,520 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,758 <CHARGE-OFFS> 1,903 <RECOVERIES> 418 <ALLOWANCE-CLOSE> 8,801 <ALLOWANCE-DOMESTIC> 8,801 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0