<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 58,893 <INT-BEARING-DEPOSITS> 1,730 <FED-FUNDS-SOLD> 25,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 329,668 <INVESTMENTS-CARRYING> 14,303 <INVESTMENTS-MARKET> 14,284 <LOANS> 998,895 <ALLOWANCE> 10,128 <TOTAL-ASSETS> 1,474,048 <DEPOSITS> 1,147,203 <SHORT-TERM> 127,176 <LIABILITIES-OTHER> 10,687 <LONG-TERM> 62,686 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,367 <OTHER-SE> 124,929 <TOTAL-LIABILITIES-AND-EQUITY>1,474,048 <INTEREST-LOAN> 78,599 <INTEREST-INVEST> 20,702 <INTEREST-OTHER> 1,162 <INTEREST-TOTAL> 100,463 <INTEREST-DEPOSIT> 38,539 <INTEREST-EXPENSE> 46,898 <INTEREST-INCOME-NET> 53,565 <LOAN-LOSSES> 2,241 <SECURITIES-GAINS> 257 <EXPENSE-OTHER> 14,316 <INCOME-PRETAX> 29,187 <INCOME-PRE-EXTRAORDINARY> 19,088 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 19,088 <EPS-BASIC> 0 <EPS-DILUTED> 1.58 <YIELD-ACTUAL> 4.27 <LOANS-NON> 1280 <LOANS-PAST> 2,327 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,209 <CHARGE-OFFS> 1769 <RECOVERIES> 447 <ALLOWANCE-CLOSE> 10,128 <ALLOWANCE-DOMESTIC> 10,128 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0