<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> 11,637 <INT-BEARING-DEPOSITS> 177 <FED-FUNDS-SOLD> 22,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 266,997 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 850,809 <ALLOWANCE> 12,502 <TOTAL-ASSETS> 1,213,035 <DEPOSITS> 852,138 <SHORT-TERM> 206,158 <LIABILITIES-OTHER> 12,749 <LONG-TERM> 87,917 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,256 <OTHER-SE> 52,817 <TOTAL-LIABILITIES-AND-EQUITY> 1,213,035 <INTEREST-LOAN> 61,830 <INTEREST-INVEST> 9,979 <INTEREST-OTHER> 406 <INTEREST-TOTAL> 72,215 <INTEREST-DEPOSIT> 34,176 <INTEREST-EXPENSE> 48,058 <INTEREST-INCOME-NET> 24,157 <LOAN-LOSSES> 3,763 <SECURITIES-GAINS> (447) <EXPENSE-OTHER> 41,046 <INCOME-PRETAX> 8,238 <INCOME-PRE-EXTRAORDINARY> 8,238 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,734 <EPS-BASIC> 6.16 <EPS-DILUTED> 6.16 <YIELD-ACTUAL> 9.33 <LOANS-NON> 10,751 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,896 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 11,114 <CHARGE-OFFS> 3,811 <RECOVERIES> 1,436 <ALLOWANCE-CLOSE> 12,502 <ALLOWANCE-DOMESTIC> 12,502 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 12,502