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<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
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<TRADING-ASSETS>                               0
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<OTHER-SE>                                     40,582
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<INTEREST-INCOME-NET>                          15,255
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<ALLOWANCE-CLOSE>                              2,999
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<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0