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  <PERIOD-TYPE>                                   9-MOS
  <FISCAL-YEAR-END>                         DEC-31-2000
  <PERIOD-END>                              SEP-30-2000
  <CASH>                                         11,778
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  <INVESTMENTS-MARKET>                           13,337
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  <ALLOWANCE>                                     2,437
  <TOTAL-ASSETS>                                300,406
  <DEPOSITS>                                    232,051
  <SHORT-TERM>                                   22,629
  <LIABILITIES-OTHER>                             2,306
  <LONG-TERM>                                    22,000
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  <INTEREST-OTHER>                                   89
  <INTEREST-TOTAL>                               15,880
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  <INTEREST-EXPENSE>                              8,978
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  <LOAN-LOSSES>                                     450
  <SECURITIES-GAINS>                                  0
  <EXPENSE-OTHER>                                 4,943
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  <NET-INCOME>                                    1,798
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  <LOANS-NON>                                       759
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  <RECOVERIES>                                       23
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  <ALLOWANCE-DOMESTIC>                            2,437
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