<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 35,413 <INT-BEARING-DEPOSITS> 988 <FED-FUNDS-SOLD> 3,521 <TRADING-ASSETS> 6,940 <INVESTMENTS-HELD-FOR-SALE> 5,038 <INVESTMENTS-CARRYING> 1,902 <INVESTMENTS-MARKET> 1,164 <LOANS> 326,824 <ALLOWANCE> 5,908 <TOTAL-ASSETS> 405,421 <DEPOSITS> 220,449 <SHORT-TERM> 0 <LIABILITIES-OTHER> 147,571 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,757 <OTHER-SE> 3,644 <TOTAL-LIABILITIES-AND-EQUITY> 405,421 <INTEREST-LOAN> 35,984 <INTEREST-INVEST> 272 <INTEREST-OTHER> 1,318 <INTEREST-TOTAL> 37,574 <INTEREST-DEPOSIT> 19,141 <INTEREST-EXPENSE> 18,433 <INTEREST-INCOME-NET> 3,567 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 12,360 <EXPENSE-OTHER> 20,006 <INCOME-PRETAX> 7,220 <INCOME-PRE-EXTRAORDINARY> 7,220 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,114 <EPS-BASIC> .670 <EPS-DILUTED> .670 <YIELD-ACTUAL> 5.900 <LOANS-NON> 1,973 <LOANS-PAST> 7,051 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,529 <CHARGE-OFFS> 4,230 <RECOVERIES> 164 <ALLOWANCE-CLOSE> 5,908 <ALLOWANCE-DOMESTIC> 5,908 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0