<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                                  DEC-31-2000
<PERIOD-END>                                       SEP-30-2000
<CASH>                                                  44,625
<INT-BEARING-DEPOSITS>                                   4,871
<FED-FUNDS-SOLD>                                        13,200
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                            188,085
<INVESTMENTS-CARRYING>                                 141,466
<INVESTMENTS-MARKET>                                   140,456
<LOANS>                                                712,059
<ALLOWANCE>                                             10,603
<TOTAL-ASSETS>                                       1,160,796
<DEPOSITS>                                             945,948
<SHORT-TERM>                                            59,506
<LIABILITIES-OTHER>                                     22,897
<LONG-TERM>                                             21,075
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                41,037
<OTHER-SE>                                              70,333
<TOTAL-LIABILITIES-AND-EQUITY>                       1,160,796
<INTEREST-LOAN>                                         44,204
<INTEREST-INVEST>                                       13,825
<INTEREST-OTHER>                                         1,360
<INTEREST-TOTAL>                                        59,389
<INTEREST-DEPOSIT>                                      24,156
<INTEREST-EXPENSE>                                      26,707
<INTEREST-INCOME-NET>                                   32,682
<LOAN-LOSSES>                                               57
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                         26,916
<INCOME-PRETAX>                                         18,342
<INCOME-PRE-EXTRAORDINARY>                              18,342
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                            13,075
<EPS-BASIC>                                               1.76
<EPS-DILUTED>                                             1.76
<YIELD-ACTUAL>                                            4.30
<LOANS-NON>                                              2,568
<LOANS-PAST>                                               330
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                        11,223
<CHARGE-OFFS>                                            1,117
<RECOVERIES>                                               440
<ALLOWANCE-CLOSE>                                       10,603
<ALLOWANCE-DOMESTIC>                                    10,603
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                  1,606