<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S BALANCE SHEET AS OF SEPTEMBER 30, 2000 AND STATEMENT OF EARNINGS FOR
THE NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           6,101
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     76,576
<INVESTMENTS-CARRYING>                          76,576
<INVESTMENTS-MARKET>                            76,576
<LOANS>                                         30,337
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 173,550
<DEPOSITS>                                           0
<SHORT-TERM>                                    61,574
<LIABILITIES-OTHER>                              4,984
<LONG-TERM>                                     54,926
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       166,981
<OTHER-SE>                                   (114,915)
<TOTAL-LIABILITIES-AND-EQUITY>                 173,550
<INTEREST-LOAN>                                  3,023
<INTEREST-INVEST>                                8,461
<INTEREST-OTHER>                                   337
<INTEREST-TOTAL>                                11,821
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                               5,920
<INTEREST-INCOME-NET>                            5,901
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               5,342
<EXPENSE-OTHER>                                  6,803
<INCOME-PRETAX>                                  5,323
<INCOME-PRE-EXTRAORDINARY>                       5,323
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,323
<EPS-BASIC>                                       0.51
<EPS-DILUTED>                                     0.51
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0