<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> 12,773 <INT-BEARING-DEPOSITS> 7,651 <FED-FUNDS-SOLD> 20,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 9,017 <INVESTMENTS-CARRYING> 16,322 <INVESTMENTS-MARKET> 8,852 <LOANS> 494,521 <ALLOWANCE> 5,874 <TOTAL-ASSETS> 488,647 <DEPOSITS> 504,676 <SHORT-TERM> 37,580 <LIABILITIES-OTHER> 7,785 <LONG-TERM> 8,842 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,447 <OTHER-SE> 35,091 <TOTAL-LIABILITIES-AND-EQUITY> 597,421 <INTEREST-LOAN> 34,955 <INTEREST-INVEST> 1,157 <INTEREST-OTHER> 1,131 <INTEREST-TOTAL> 37,243 <INTEREST-DEPOSIT> 17,320 <INTEREST-EXPENSE> 19,587 <INTEREST-INCOME-NET> 15,835 <LOAN-LOSSES> 1,821 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 15,702 <INCOME-PRETAX> 5,144 <INCOME-PRE-EXTRAORDINARY> 3,243 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,243 <EPS-BASIC> 0.47 <EPS-DILUTED> 0.46 <YIELD-ACTUAL> 4.57 <LOANS-NON> 6,022 <LOANS-PAST> 141 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,206 <CHARGE-OFFS> 1,254 <RECOVERIES> 101 <ALLOWANCE-CLOSE> 5,874 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0