<ARTICLE>                                          9
<LEGEND>
* LEGEND: This schedule contains summary financial information extracted
  from the Form 10-Q filed as of September 30, 1999.
</LEGEND>
<MULTIPLIER>                                              1,000

                                               
<PERIOD-TYPE>                                             9-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-START>                                      JAN-01-1999
<PERIOD-END>                                        SEP-30-1999
<CASH>                                                   36,095
<INT-BEARING-DEPOSITS>                                    1,038
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             333,434
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 631,140
<ALLOWANCE>                                              10,392
<TOTAL-ASSETS>                                        1,044,097
<DEPOSITS>                                              714,027
<SHORT-TERM>                                             67,556
<LIABILITIES-OTHER>                                       7,978
<LONG-TERM>                                             150,344
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 64,963
<OTHER-SE>                                               10,240
<TOTAL-LIABILITIES-AND-EQUITY>                        1,044,097
<INTEREST-LOAN>                                          39,023
<INTEREST-INVEST>                                        13,327
<INTEREST-OTHER>                                            361
<INTEREST-TOTAL>                                         52,711
<INTEREST-DEPOSIT>                                       19,124
<INTEREST-EXPENSE>                                       24,453
<INTEREST-INCOME-NET>                                    28,258
<LOAN-LOSSES>                                             1,431
<SECURITIES-GAINS>                                         (115)
<EXPENSE-OTHER>                                          20,649
<INCOME-PRETAX>                                          11,652
<INCOME-PRE-EXTRAORDINARY>                                7,937
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              7,937
<EPS-BASIC>                                              1.27
<EPS-DILUTED>                                              1.24
<YIELD-ACTUAL>                                             4.42
<LOANS-NON>                                                 474
<LOANS-PAST>                                                702
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          9,809
<CHARGE-OFFS>                                               848
<RECOVERIES>                                                300
<ALLOWANCE-CLOSE>                                        10,392
<ALLOWANCE-DOMESTIC>                                     10,392
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                     903