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


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          26,237
<INT-BEARING-DEPOSITS>                           6,030
<FED-FUNDS-SOLD>                                15,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,590
<INVESTMENTS-CARRYING>                          20,676
<INVESTMENTS-MARKET>                            20,422
<LOANS>                                        370,251
<ALLOWANCE>                                    (3,901)
<TOTAL-ASSETS>                                 495,973
<DEPOSITS>                                     436,814
<SHORT-TERM>                                     8,000
<LIABILITIES-OTHER>                              3,106
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        36,742
<OTHER-SE>                                      11,311
<TOTAL-LIABILITIES-AND-EQUITY>                 495,973
<INTEREST-LOAN>                                 25,301
<INTEREST-INVEST>                                2,955
<INTEREST-OTHER>                                   618
<INTEREST-TOTAL>                                28,874
<INTEREST-DEPOSIT>                               7,962
<INTEREST-EXPENSE>                               8,016
<INTEREST-INCOME-NET>                           20,858
<LOAN-LOSSES>                                      665
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 15,708
<INCOME-PRETAX>                                  7,880
<INCOME-PRE-EXTRAORDINARY>                       7,880
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,969
<EPS-BASIC>                                       0.91
<EPS-DILUTED>                                     0.85
<YIELD-ACTUAL>                                    6.63
<LOANS-NON>                                      3,399
<LOANS-PAST>                                       240
<LOANS-TROUBLED>                                 1,602
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,102
<CHARGE-OFFS>                                    3,096
<RECOVERIES>                                       230
<ALLOWANCE-CLOSE>                                3,901
<ALLOWANCE-DOMESTIC>                             3,901
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0