<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                     
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  SEP-30-2000
<CASH>                                          4,177
<INT-BEARING-DEPOSITS>                         22,953
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                4,059
<INVESTMENTS-HELD-FOR-SALE>                   365,246
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       198,704
<ALLOWANCE>                                     1,562
<TOTAL-ASSETS>                                644,922
<DEPOSITS>                                    405,269
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                           160,404
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          900
<OTHER-SE>                                     78,349
<TOTAL-LIABILITIES-AND-EQUITY>                644,922
<INTEREST-LOAN>                                11,023
<INTEREST-INVEST>                              19,511
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                               30,534
<INTEREST-DEPOSIT>                             11,077
<INTEREST-EXPENSE>                             18,644
<INTEREST-INCOME-NET>                          11,890
<LOAN-LOSSES>                                     360
<SECURITIES-GAINS>                                506
<EXPENSE-OTHER>                                 7,795
<INCOME-PRETAX>                                 5,365
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    4,226
<EPS-BASIC>                                       .61
<EPS-DILUTED>                                     .61
<YIELD-ACTUAL>                                   2.80
<LOANS-NON>                                       158
<LOANS-PAST>                                      158
<LOANS-TROUBLED>                                   74
<LOANS-PROBLEM>                                   801
<ALLOWANCE-OPEN>                                1,234
<CHARGE-OFFS>                                     (57)
<RECOVERIES>                                       25
<ALLOWANCE-CLOSE>                               1,562
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0