<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                            8,780
<INT-BEARING-DEPOSITS>                                0
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<TRADING-ASSETS>                                      0
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<ALLOWANCE>                                       4,335
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<DEPOSITS>                                      321,668
<SHORT-TERM>                                     10,000
<LIABILITIES-OTHER>                               3,174
<LONG-TERM>                                      11,804
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<OTHER-SE>                                            0
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<INTEREST-INVEST>                                 2,472
<INTEREST-OTHER>                                      0
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<INTEREST-DEPOSIT>                               10,004
<INTEREST-EXPENSE>                               11,801
<INTEREST-INCOME-NET>                            10,651
<LOAN-LOSSES>                                     1,440
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                       0
<INCOME-PRETAX>                                   3,900
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<YIELD-ACTUAL>                                     9.23
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<CHARGE-OFFS>                                     1,017
<RECOVERIES>                                        115
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<ALLOWANCE-DOMESTIC>                              4,355
<ALLOWANCE-FOREIGN>                                   0
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