<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 49,395 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 217,352 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 987,014 <ALLOWANCE> 11,698 <TOTAL-ASSETS> 1,323,002 <DEPOSITS> 1,107,654 <SHORT-TERM> 61,272 <LIABILITIES-OTHER> 10,962 <LONG-TERM> 54,951 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,291 <OTHER-SE> 81,872 <TOTAL-LIABILITIES-AND-EQUITY> 1,323,002 <INTEREST-LOAN> 20,914 <INTEREST-INVEST> 3,090 <INTEREST-OTHER> 22 <INTEREST-TOTAL> 24,026 <INTEREST-DEPOSIT> 10,810 <INTEREST-EXPENSE> 13,111 <INTEREST-INCOME-NET> 10,915 <LOAN-LOSSES> 690 <SECURITIES-GAINS> 322 <EXPENSE-OTHER> 9,055 <INCOME-PRETAX> 5,508 <INCOME-PRE-EXTRAORDINARY> 3,533 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,533 <EPS-BASIC> 0.27 <EPS-DILUTED> 0.26 <YIELD-ACTUAL> 8.15 <LOANS-NON> 299 <LOANS-PAST> 2,836 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 9,375 <ALLOWANCE-OPEN> 11,110 <CHARGE-OFFS> 138 <RECOVERIES> 36 <ALLOWANCE-CLOSE> 11,698 <ALLOWANCE-DOMESTIC> 10,769 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 929