<ARTICLE>                     9
<LEGEND>
This schedule contains summary financial information extrated from the September
30, 2000 financial statements and is qualified in its entirety by reference to
such financial statements.



<MULTIPLIER>                             1,000

                                      
<PERIOD-TYPE>                            3-MOS
<FISCAL-YEAR-END>                        DEC-31-2000
<PERIOD-START>                           JUL-1-2000
<PERIOD-END>                             SEP-30-2000
<CASH>                                   87,763
<INT-BEARING-DEPOSITS>                   1,628
<FED-FUNDS-SOLD>                         51,875
<TRADING-ASSETS>                         0
<INVESTMENTS-HELD-FOR-SALE>              158,647
<INVESTMENTS-CARRYING>                   54,912
<INVESTMENTS-MARKET>                     55,004
<LOANS>                                  678,551
<ALLOWANCE>                              10,177
<TOTAL-ASSETS>                           1,065,823
<DEPOSITS>                               844,746
<SHORT-TERM>                             77,758
<LIABILITIES-OTHER>                      9,788
<LONG-TERM>                              10,127
<PREFERRED-MANDATORY>                    0
<PREFERRED>                              0
<COMMON>                                 1,004
<OTHER-SE>                               122,400
<TOTAL-LIABILITIES-AND-EQUITY>           1,065,823
<INTEREST-LOAN>                          15,519
<INTEREST-INVEST>                        2,999
<INTEREST-OTHER>                         628
<INTEREST-TOTAL>                         19,146
<INTEREST-DEPOSIT>                       7,371
<INTEREST-EXPENSE>                       8,370
<INTEREST-INCOME-NET>                    10,776
<LOAN-LOSSES>                            460
<SECURITIES-GAINS>                       0
<EXPENSE-OTHER>                          8,153
<INCOME-PRETAX>                          5,309
<INCOME-PRE-EXTRAORDINARY>               5,309
<EXTRAORDINARY>                          0
<CHANGES>                                0
<NET-INCOME>                             3,787
<EPS-BASIC>                              0.52
<EPS-DILUTED>                            0.52
<YIELD-ACTUAL>                           4.84
<LOANS-NON>                              2,412
<LOANS-PAST>                             1,446
<LOANS-TROUBLED>                         0
<LOANS-PROBLEM>                          0
<ALLOWANCE-OPEN>                         9,659
<CHARGE-OFFS>                            1,860
<RECOVERIES>                             491
<ALLOWANCE-CLOSE>                        10,177
<ALLOWANCE-DOMESTIC>                     10,177
<ALLOWANCE-FOREIGN>                      0
<ALLOWANCE-UNALLOCATED>                  0