<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> 28,610 <INT-BEARING-DEPOSITS> 1,620 <FED-FUNDS-SOLD> 16,040 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 183,327 <INVESTMENTS-CARRYING> 27,893 <INVESTMENTS-MARKET> 27,148 <LOANS> 681,330 <ALLOWANCE> 6,462 <TOTAL-ASSETS> 986,529 <DEPOSITS> 724,187 <SHORT-TERM> 29,917 <LIABILITIES-OTHER> 6,374 <LONG-TERM> 103,499 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,827 <OTHER-SE> 100,019 <TOTAL-LIABILITIES-AND-EQUITY> 986,529 <INTEREST-LOAN> 43,765 <INTEREST-INVEST> 10,036 <INTEREST-OTHER> 905 <INTEREST-TOTAL> 54,706 <INTEREST-DEPOSIT> 18,128 <INTEREST-EXPENSE> 23,438 <INTEREST-INCOME-NET> 31,268 <LOAN-LOSSES> 1,065 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 17,428 <INCOME-PRETAX> 19,260 <INCOME-PRE-EXTRAORDINARY> 12,913 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 12,913 <EPS-BASIC> 1.08 <EPS-DILUTED> 1.08 <YIELD-ACTUAL> 8.21 <LOANS-NON> 4,066 <LOANS-PAST> 2,774 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 16,859 <ALLOWANCE-OPEN> 6,964 <CHARGE-OFFS> 1,799 <RECOVERIES> 232 <ALLOWANCE-CLOSE> 6,462 <ALLOWANCE-DOMESTIC> 4,359 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,103