<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> 28,587 <INT-BEARING-DEPOSITS> 4,450 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 268,455 <INVESTMENTS-CARRYING> 78,921 <INVESTMENTS-MARKET> 76,419 <LOANS> 943,112 <ALLOWANCE> 9,626 <TOTAL-ASSETS> 1,400,884 <DEPOSITS> 1,131,268 <SHORT-TERM> 79,475 <LIABILITIES-OTHER> 12,601 <LONG-TERM> 53,316 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,381 <OTHER-SE> 116,843 <TOTAL-LIABILITIES-AND-EQUITY> 1,400,884 <INTEREST-LOAN> 58,825 <INTEREST-INVEST> 18,299 <INTEREST-OTHER> 214 <INTEREST-TOTAL> 77,338 <INTEREST-DEPOSIT> 32,795 <INTEREST-EXPENSE> 38,862 <INTEREST-INCOME-NET> 38,476 <LOAN-LOSSES> 1,896 <SECURITIES-GAINS> (1,759) <EXPENSE-OTHER> 30,918 <INCOME-PRETAX> 15,147 <INCOME-PRE-EXTRAORDINARY> 9,501 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,501 <EPS-BASIC> 1.56 <EPS-DILUTED> 1.55 <YIELD-ACTUAL> 7.99 <LOANS-NON> 1,579 <LOANS-PAST> 1,881 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,749 <CHARGE-OFFS> 1,426 <RECOVERIES> 407 <ALLOWANCE-CLOSE> 9,626 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,626