<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             DEC-31-1999
<CASH>                                       5,539,000                4,857,00
<INT-BEARING-DEPOSITS>                      14,964,000              85,500,000
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                182,779,000              31,145,000
<INVESTMENTS-CARRYING>                      10,000,000                       0
<INVESTMENTS-MARKET>                        10,000,000                       0
<LOANS>                                    190,474,000             294,743,000
<ALLOWANCE>                                 16,824,000              14,139,000
<TOTAL-ASSETS>                             427,161,000             438,290,000
<DEPOSITS>                                 302,507,000             291,944,000
<SHORT-TERM>                                45,000,000              54,415,000
<LIABILITIES-OTHER>                         11,746,000              16,578,000
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                    65,214,000              65,249,000
<OTHER-SE>                                   2,758,000              10,183,000
<TOTAL-LIABILITIES-AND-EQUITY>             427,161,000             438,290,000
<INTEREST-LOAN>                             25,024,000              27,003,000
<INTEREST-INVEST>                            6,075,000               1,800,000
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                            31,099,000              28,803,000
<INTEREST-DEPOSIT>                           8,605,000               5,787,000
<INTEREST-EXPENSE>                           9,495,000               6,033,000
<INTEREST-INCOME-NET>                       21,604,000              22,770,000
<LOAN-LOSSES>                                  107,000                 432,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                             18,455,000              18,643,000
<INCOME-PRETAX>                            (6,570,000)               4,669,000
<INCOME-PRE-EXTRAORDINARY>                 (4,134,000)               2,761,000
<EXTRAORDINARY>                            (3,291,000)             (7,113,000)
<CHANGES>                                            0                       0
<NET-INCOME>                               (7,425,000)             (4,352,000)
<EPS-BASIC>                                     (0.45)                  (0.26)
<EPS-DILUTED>                                   (0.45)                  (0.25)
<YIELD-ACTUAL>                                    9.94                   12.45
<LOANS-NON>                                  9,851,000              13,157,000
<LOANS-PAST>                                    37,000                  30,000
<LOANS-TROUBLED>                             2,790,000               3,096,000
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                            14,139,000              10,183,000
<CHARGE-OFFS>                                7,816,000              11,920,000
<RECOVERIES>                                   460,000                 710,000
<ALLOWANCE-CLOSE>                           16,824,000              14,139,000
<ALLOWANCE-DOMESTIC>                        16,824,000              14,139,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0