<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000

                                                                         
<PERIOD-TYPE>                                                             9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-2000
<PERIOD-START>                                                      JAN-01-2000
<PERIOD-END>                                                        SEP-30-2000
<CASH>                                                                   14,901
<INT-BEARING-DEPOSITS>                                                    7,688
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              10,559
<INVESTMENTS-CARRYING>                                                   22,852
<INVESTMENTS-MARKET>                                                     22,506
<LOANS>                                                                 923,078
<ALLOWANCE>                                                               2,837
<TOTAL-ASSETS>                                                        1,028,960
<DEPOSITS>                                                              620,208
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                       9,731
<LONG-TERM>                                                             321,483
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  7,058
<OTHER-SE>                                                               70,480
<TOTAL-LIABILITIES-AND-EQUITY>                                        1,028,960
<INTEREST-LOAN>                                                          53,075
<INTEREST-INVEST>                                                         1,711
<INTEREST-OTHER>                                                          1,382
<INTEREST-TOTAL>                                                         56,168
<INTEREST-DEPOSIT>                                                       20,820
<INTEREST-EXPENSE>                                                       36,527
<INTEREST-INCOME-NET>                                                    19,641
<LOAN-LOSSES>                                                               431
<SECURITIES-GAINS>                                                          (37)
<EXPENSE-OTHER>                                                          14,791
<INCOME-PRETAX>                                                           8,612
<INCOME-PRE-EXTRAORDINARY>                                                5,706
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              5,706
<EPS-BASIC>                                                                 .83
<EPS-DILUTED>                                                               .82
<YIELD-ACTUAL>                                                             2.74
<LOANS-NON>                                                               2,610
<LOANS-PAST>                                                              1,752
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                          1,863
<CHARGE-OFFS>                                                                96
<RECOVERIES>                                                                  5
<ALLOWANCE-CLOSE>                                                         2,837
<ALLOWANCE-DOMESTIC>                                                          0
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                   2,837