<ARTICLE>                                            9
<LEGEND>
     * LEGEND: This schedule contains summary financial information extracted
               from the Form 10-K filed as of December 31, 1999.
</LEGEND>
<MULTIPLIER>                                   1000

                                            
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                         42,713
<INT-BEARING-DEPOSITS>                         1,038
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    328,306
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        659,833
<ALLOWANCE>                                    10,264
<TOTAL-ASSETS>                                 1,075,450
<DEPOSITS>                                     728,207
<SHORT-TERM>                                   87,439
<LIABILITIES-OTHER>                            7,606
<LONG-TERM>                                    150,338
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       65,043
<OTHER-SE>                                     7,831
<TOTAL-LIABILITIES-AND-EQUITY>                 1,075,450
<INTEREST-LOAN>                                53,223
<INTEREST-INVEST>                              15,711
<INTEREST-OTHER>                               3,412
<INTEREST-TOTAL>                               72,346
<INTEREST-DEPOSIT>                             25,956
<INTEREST-EXPENSE>                             34,258
<INTEREST-INCOME-NET>                          38,088
<LOAN-LOSSES>                                  1,878
<SECURITIES-GAINS>                             (104)
<EXPENSE-OTHER>                                28,197
<INCOME-PRETAX>                                15,542
<INCOME-PRE-EXTRAORDINARY>                     10,718
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   10,718
<EPS-BASIC>                                  1.57
<EPS-DILUTED>                                  1.53
<YIELD-ACTUAL>                                 4.35
<LOANS-NON>                                    1,109
<LOANS-PAST>                                   249
<LOANS-TROUBLED>                               747
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               9,509
<CHARGE-OFFS>                                  1,518
<RECOVERIES>                                   395
<ALLOWANCE-CLOSE>                              10,264
<ALLOWANCE-DOMESTIC>                           10,264
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        948