<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM FORM 10-Q FOR THE
QUARTERLY PERIOD ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          12,926
<INT-BEARING-DEPOSITS>                              71
<FED-FUNDS-SOLD>                                    82
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     63,683
<INVESTMENTS-CARRYING>                          56,923
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        400,066
<ALLOWANCE>                                      4,169
<TOTAL-ASSETS>                                 548,135
<DEPOSITS>                                     460,503
<SHORT-TERM>                                    13,265
<LIABILITIES-OTHER>                              6,067
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,634
<OTHER-SE>                                      40,666
<TOTAL-LIABILITIES-AND-EQUITY>                 548,135
<INTEREST-LOAN>                                 25,174
<INTEREST-INVEST>                                5,445
<INTEREST-OTHER>                                   259
<INTEREST-TOTAL>                                30,878
<INTEREST-DEPOSIT>                              14,036
<INTEREST-EXPENSE>                              15,090
<INTEREST-INCOME-NET>                           15,788
<LOAN-LOSSES>                                    1,152
<SECURITIES-GAINS>                                  76
<EXPENSE-OTHER>                                 14,787
<INCOME-PRETAX>                                  3,159
<INCOME-PRE-EXTRAORDINARY>                       3,159
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,050
<EPS-BASIC>                                        .41
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    4.14
<LOANS-NON>                                        791
<LOANS-PAST>                                     1,277
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,289
<CHARGE-OFFS>                                      488
<RECOVERIES>                                       216
<ALLOWANCE-CLOSE>                                4,169
<ALLOWANCE-DOMESTIC>                             3,734
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            435