<ARTICLE> 9
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                         9-MOS
<FISCAL-YEAR-END>               DEC-31-1999
<PERIOD-END>                    SEP-30-1999
<CASH>                                26434
<INT-BEARING-DEPOSITS>                    0
<FED-FUNDS-SOLD>                      10800
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>          233693
<INVESTMENTS-CARRYING>                52523
<INVESTMENTS-MARKET>                  55047
<LOANS>                              626573
<ALLOWANCE>                            7664
<TOTAL-ASSETS>                       983172
<DEPOSITS>                           794252
<SHORT-TERM>                          46890
<LIABILITIES-OTHER>                   16682
<LONG-TERM>                           50000
<COMMON>                               9496
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<OTHER-SE>                            65852
<TOTAL-LIABILITIES-AND-EQUITY>       983172
<INTEREST-LOAN>                       35444
<INTEREST-INVEST>                     13765
<INTEREST-OTHER>                        442
<INTEREST-TOTAL>                      49651
<INTEREST-DEPOSIT>                    18444
<INTEREST-EXPENSE>                    21369
<INTEREST-INCOME-NET>                 28282
<LOAN-LOSSES>                          1092
<SECURITIES-GAINS>                        0
<EXPENSE-OTHER>                       20104
<INCOME-PRETAX>                       13912
<INCOME-PRE-EXTRAORDINARY>            13912
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                           9598
<EPS-BASIC>                            1.25
<EPS-DILUTED>                          1.23
<YIELD-ACTUAL>                         4.36
<LOANS-NON>                            1679
<LOANS-PAST>                            202
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                           0
<ALLOWANCE-OPEN>                       6742
<CHARGE-OFFS>                           746
<RECOVERIES>                            577
<ALLOWANCE-CLOSE>                      7664
<ALLOWANCE-DOMESTIC>                   7664
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>                   0