<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> 35,267 <INT-BEARING-DEPOSITS> 175 <FED-FUNDS-SOLD> 112 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 253,937 <INVESTMENTS-CARRYING> 81,605 <INVESTMENTS-MARKET> 81,366 <LOANS> 858,442 <ALLOWANCE> 13,180 <TOTAL-ASSETS> 1,261,740 <DEPOSITS> 1,049,870 <SHORT-TERM> 56,746 <LIABILITIES-OTHER> 16,139 <LONG-TERM> 12,520 <PREFERRED-MANDATORY> 113 <PREFERRED> 17,758 <COMMON> 0 <OTHER-SE> 108,594 <TOTAL-LIABILITIES-AND-EQUITY> 1,261,740 <INTEREST-LOAN> 57,327 <INTEREST-INVEST> 13,022 <INTEREST-OTHER> 154 <INTEREST-TOTAL> 70,503 <INTEREST-DEPOSIT> 28,276 <INTEREST-EXPENSE> 31,129 <INTEREST-INCOME-NET> 39,374 <LOAN-LOSSES> 3,107 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 22,111 <INCOME-PRETAX> 20,903 <INCOME-PRE-EXTRAORDINARY> 13,408 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,408 <EPS-BASIC> 1.12 <EPS-DILUTED> 1.12 <YIELD-ACTUAL> 4.93 <LOANS-NON> 6,699 <LOANS-PAST> 958 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 11,421 <CHARGE-OFFS> 1,624 <RECOVERIES> 276 <ALLOWANCE-CLOSE> 13,180 <ALLOWANCE-DOMESTIC> 11,383 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,797