<ARTICLE>                                            9

<MULTIPLIER>                            1,000

                                     
<PERIOD-TYPE>                           Year
<FISCAL-YEAR-END>                       Dec-31-1999
<PERIOD-END>                            Dec-31-1999
<CASH>                                  51,236
<INT-BEARING-DEPOSITS>                     800
<FED-FUNDS-SOLD>                         8,400
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>            231,708
<INVESTMENTS-CARRYING>                       0
<INVESTMENTS-MARKET>                         0
<LOANS>                                587,979
<ALLOWANCE>                             11,037
<TOTAL-ASSETS>                         924,796
<DEPOSITS>                             794,110
<SHORT-TERM>                                 0
<LIABILITIES-OTHER>                     12,058
<LONG-TERM>                             45,505
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                50,043
<OTHER-SE>                              23,080
<TOTAL-LIABILITIES-AND-EQUITY>         924,796
<INTEREST-LOAN>                         53,395
<INTEREST-INVEST>                       14,729
<INTEREST-OTHER>                           465
<INTEREST-TOTAL>                        68,589
<INTEREST-DEPOSIT>                      21,277
<INTEREST-EXPENSE>                      24,370
<INTEREST-INCOME-NET>                   44,219
<LOAN-LOSSES>                            3,550
<SECURITIES-GAINS>                          24
<EXPENSE-OTHER>                         34,833
<INCOME-PRETAX>                         17,937
<INCOME-PRE-EXTRAORDINARY>              17,937
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                            11,403
<EPS-BASIC>                             1.60
<EPS-DILUTED>                             1.56
<YIELD-ACTUAL>                            8.45
<LOANS-NON>                              1,758
<LOANS-PAST>                               923
<LOANS-TROUBLED>                             0
<LOANS-PROBLEM>                              0
<ALLOWANCE-OPEN>                         8,206
<CHARGE-OFFS>                            1,082
<RECOVERIES>                               363
<ALLOWANCE-CLOSE>                       11,037
<ALLOWANCE-DOMESTIC>                    11,037
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                      0