<ARTICLE>                                            9

<MULTIPLIER>                            1,000

                                     
<PERIOD-TYPE>                           Year
<FISCAL-YEAR-END>                       Dec-31-2000
<PERIOD-END>                            Dec-31-2000
<CASH>                                  57,390
<INT-BEARING-DEPOSITS>                     800
<FED-FUNDS-SOLD>                             0
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            229,110
<INVESTMENTS-CARRYING>                       0
<INVESTMENTS-MARKET>                         0
<LOANS>                                640,391
<ALLOWANCE>                             11,670
<TOTAL-ASSETS>                         972,071
<DEPOSITS>                             837,832
<SHORT-TERM>                               500
<LIABILITIES-OTHER>                     14,523
<LONG-TERM>                             33,983
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                50,428
<OTHER-SE>                              34,805
<TOTAL-LIABILITIES-AND-EQUITY>         972,071
<INTEREST-LOAN>                         62,161
<INTEREST-INVEST>                       13,954
<INTEREST-OTHER>                           538
<INTEREST-TOTAL>                        76,653
<INTEREST-DEPOSIT>                      25,003
<INTEREST-EXPENSE>                      28,543
<INTEREST-INCOME-NET>                   48,110
<LOAN-LOSSES>                            5,000
<SECURITIES-GAINS>                           0
<EXPENSE-OTHER>                         37,895
<INCOME-PRETAX>                         19,860
<INCOME-PRE-EXTRAORDINARY>              19,860
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                            12,623
<EPS-BASIC>                               1.76
<EPS-DILUTED>                             1.72
<YIELD-ACTUAL>                            9.05
<LOANS-NON>                             12,262
<LOANS-PAST>                               965
<LOANS-TROUBLED>                             0
<LOANS-PROBLEM>                              0
<ALLOWANCE-OPEN>                        11,037
<CHARGE-OFFS>                            4,705
<RECOVERIES>                               338
<ALLOWANCE-CLOSE>                       11,670
<ALLOWANCE-DOMESTIC>                    11,670
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                      0