<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 17,338 <INT-BEARING-DEPOSITS> 217 <FED-FUNDS-SOLD> 5,375 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 156,132 <INVESTMENTS-CARRYING> 2,444 <INVESTMENTS-MARKET> 2,407 <LOANS> 379,667 <ALLOWANCE> 2,999 <TOTAL-ASSETS> 600,461 <DEPOSITS> 500,768 <SHORT-TERM> 23,635 <LIABILITIES-OTHER> 4,377 <LONG-TERM> 19,825 <PREFERRED-MANDATORY> 0 <PREFERRED> 3,070 <COMMON> 8,204 <OTHER-SE> 40,582 <TOTAL-LIABILITIES-AND-EQUITY> 600,461 <INTEREST-LOAN> 21,706 <INTEREST-INVEST> 6,542 <INTEREST-OTHER> 439 <INTEREST-TOTAL> 28,687 <INTEREST-DEPOSIT> 11,892 <INTEREST-EXPENSE> 13,432 <INTEREST-INCOME-NET> 15,255 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 14,202 <INCOME-PRETAX> 5,623 <INCOME-PRE-EXTRAORDINARY> 5,623 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,928 <EPS-BASIC> 1.84 <EPS-DILUTED> 1.72 <YIELD-ACTUAL> 4.06 <LOANS-NON> 1,816 <LOANS-PAST> 692 <LOANS-TROUBLED> 83 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,715 <CHARGE-OFFS> 344 <RECOVERIES> 28 <ALLOWANCE-CLOSE> 2,999 <ALLOWANCE-DOMESTIC> 2,999 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0