<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Sep-30-2000
<CASH>                                            27,881
<INT-BEARING-DEPOSITS>                                 0
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<TRADING-ASSETS>                                       0
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<SHORT-TERM>                                      57,104
<LIABILITIES-OTHER>                                5,070
<LONG-TERM>                                       40,000
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<OTHER-SE>                                        81,599
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<INTEREST-LOAN>                                   48,499
<INTEREST-INVEST>                                 10,296
<INTEREST-OTHER>                                     360
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<INTEREST-DEPOSIT>                                24,146
<INTEREST-EXPENSE>                                27,499
<INTEREST-INCOME-NET>                             31,656
<LOAN-LOSSES>                                        450
<SECURITIES-GAINS>                                     4
<EXPENSE-OTHER>                                   26,243
<INCOME-PRETAX>                                   14,863
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<CHARGE-OFFS>                                        524
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