<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>                                          21,281
<INT-BEARING-DEPOSITS>                          63,000
<FED-FUNDS-SOLD>                                20,009
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,801
<INVESTMENTS-CARRYING>                           9,760
<INVESTMENTS-MARKET>                             9,727
<LOANS>                                        348,090
<ALLOWANCE>                                      4,512
<TOTAL-ASSETS>                                 548,625
<DEPOSITS>                                     194,941
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            300,418
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      51,266
<TOTAL-LIABILITIES-AND-EQUITY>                 548,625
<INTEREST-LOAN>                                 20,151
<INTEREST-INVEST>                                4,083
<INTEREST-OTHER>                                 2,575
<INTEREST-TOTAL>                                26,809
<INTEREST-DEPOSIT>                               3,489
<INTEREST-EXPENSE>                               3,509
<INTEREST-INCOME-NET>                           23,300
<LOAN-LOSSES>                                      350
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 30,802
<INCOME-PRETAX>                                  8,230
<INCOME-PRE-EXTRAORDINARY>                       8,230
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,296
<EPS-BASIC>                                     1.50
<EPS-DILUTED>                                     1.48
<YIELD-ACTUAL>                                    6.74
<LOANS-NON>                                        980
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    988
<ALLOWANCE-OPEN>                                 4,282
<CHARGE-OFFS>                                      153
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                4,512
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0

<F1>TO BE DOCUMENTED IN DEC-31-2000 STATEMENTS.