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<PERIOD-TYPE>                      9-MOS
<FISCAL-YEAR-END>                                                 DEC-31-1999
<PERIOD-START>                                                    JAN-01-1999
<PERIOD-END>                                                      SEP-30-1999
<CASH>                                                                 37,566
<INT-BEARING-DEPOSITS>                                                  1,631
<FED-FUNDS-SOLD>                                                        1,800
<TRADING-ASSETS>                                                            0
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<ALLOWANCE>                                                            10,153
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<PREFERRED>                                                                 0
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<OTHER-SE>                                                            155,247
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<INTEREST-LOAN>                                                        57,744
<INTEREST-INVEST>                                                      15,499
<INTEREST-OTHER>                                                          823
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<INTEREST-DEPOSIT>                                                     28,160
<INTEREST-EXPENSE>                                                     34,188
<INTEREST-INCOME-NET>                                                  39,878
<LOAN-LOSSES>                                                           1,617
<SECURITIES-GAINS>                                                        169
<EXPENSE-OTHER>                                                        27,413
<INCOME-PRETAX>                                                        21,774
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<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                           14,155
<EPS-BASIC>                                                            1.18
<EPS-DILUTED>                                                            1.17
<YIELD-ACTUAL>                                                           4.31
<LOANS-NON>                                                              1429
<LOANS-PAST>                                                            3,235
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                        9,209
<CHARGE-OFFS>                                                            1015
<RECOVERIES>                                                              342
<ALLOWANCE-CLOSE>                                                      10,153
<ALLOWANCE-DOMESTIC>                                                   10,153
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0