<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1 <CASH> 22,348 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 24,560 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45,200 <INVESTMENTS-CARRYING> 2,515 <INVESTMENTS-MARKET> 2,516 <LOANS> 632,763 <ALLOWANCE> 10,356 <TOTAL-ASSETS> 762,590 <DEPOSITS> 620,582 <SHORT-TERM> 4,737 <LIABILITIES-OTHER> 10,497 <LONG-TERM> 62,031 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,637 <OTHER-SE> 51,106 <TOTAL-LIABILITIES-AND-EQUITY> 762,590 <INTEREST-LOAN> 45,965 <INTEREST-INVEST> 2,655 <INTEREST-OTHER> 760 <INTEREST-TOTAL> 49,380 <INTEREST-DEPOSIT> 17,940 <INTEREST-EXPENSE> 20,656 <INTEREST-INCOME-NET> 28,724 <LOAN-LOSSES> 3,916 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,213 <INCOME-PRETAX> 9,314 <INCOME-PRE-EXTRAORDINARY> 9,314 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,977 <EPS-BASIC> 4.39 <EPS-DILUTED> 4.35 <YIELD-ACTUAL> 5.51 <LOANS-NON> 4,461 <LOANS-PAST> 841 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 13,899 <ALLOWANCE-OPEN> 10,332 <CHARGE-OFFS> 4,842 <RECOVERIES> 950 <ALLOWANCE-CLOSE> 10,356 <ALLOWANCE-DOMESTIC> 10,356 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0