<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q
DATED NOVEMBER 13, 2000 FOR THE PERIOD ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<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> 19,910 26,689
<INT-BEARING-DEPOSITS> 229 363
<FED-FUNDS-SOLD> 76,995 2,500
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 39,969 39,361
<INVESTMENTS-CARRYING> 44,325 6,154
<INVESTMENTS-MARKET> 44,223 6,200
<LOANS> 762,579 518,791
<ALLOWANCE> 8,239 4,364
<TOTAL-ASSETS> 933,528 608,144
<DEPOSITS> 828,695 516,466
<SHORT-TERM> 7,802 20,268
<LIABILITIES-OTHER> 5,542 3,739
<LONG-TERM> 32,979 20,593
<PREFERRED-MANDATORY> 23,000 23,000
<PREFERRED> 0 0
<COMMON> 3,665 1,520
<OTHER-SE> 31,845 22,808
<TOTAL-LIABILITIES-AND-EQUITY> 933,528 608,144
<INTEREST-LOAN> 56,919 29,820
<INTEREST-INVEST> 3,226 1,766
<INTEREST-OTHER> 125 546
<INTEREST-TOTAL> 60,270 32,132
<INTEREST-DEPOSIT> 27,721 14,265
<INTEREST-EXPENSE> 32,360 16,384
<INTEREST-INCOME-NET> 27,910 15,748
<LOAN-LOSSES> 3,429 2,174
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 17,846 11,052
<INCOME-PRETAX> 11,568 5,275
<INCOME-PRE-EXTRAORDINARY> 7,396 3,450
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 7,396 3,450
<EPS-BASIC> .97 .46
<EPS-DILUTED> .97 .46
<YIELD-ACTUAL> 0 0
<LOANS-NON> 2,550 705
<LOANS-PAST> 489 621
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 5,322 2,187
<CHARGE-OFFS> 594 34
<RECOVERIES> 82 37
<ALLOWANCE-CLOSE> 8,239 4,364
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 8,239 4,364