<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> 32,547 <INT-BEARING-DEPOSITS> 4,224 <FED-FUNDS-SOLD> 59,190 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 77,092 <INVESTMENTS-CARRYING> 72,831 <INVESTMENTS-MARKET> 72,069 <LOANS> 548,791 <ALLOWANCE> 5,715 <TOTAL-ASSETS> 812,959 <DEPOSITS> 669,770 <SHORT-TERM> 7,150 <LIABILITIES-OTHER> 6,144 <LONG-TERM> 30,300 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 42,142 <OTHER-SE> 31,993 <TOTAL-LIABILITIES-AND-EQUITY> 812,959 <INTEREST-LOAN> 36,443 <INTEREST-INVEST> 8,389 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 44,832 <INTEREST-DEPOSIT> 18,431 <INTEREST-EXPENSE> 21,228 <INTEREST-INCOME-NET> 23,604 <LOAN-LOSSES> 1,395 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 18,433 <INCOME-PRETAX> 9,743 <INCOME-PRE-EXTRAORDINARY> 9,743 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,759 <EPS-BASIC> 0.80 <EPS-DILUTED> 0.79 <YIELD-ACTUAL> 8.38 <LOANS-NON> 257 <LOANS-PAST> 1,031 <LOANS-TROUBLED> 47 <LOANS-PROBLEM> 2,827 <ALLOWANCE-OPEN> 5,246 <CHARGE-OFFS> 1,070 <RECOVERIES> 144 <ALLOWANCE-CLOSE> 5,715 <ALLOWANCE-DOMESTIC> 5,715 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0