<ARTICLE> 9 <LEGEND> This schedule contains financial information extracted from the 12/31/99 Form 10-K and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 59,321 <INT-BEARING-DEPOSITS> 593 <FED-FUNDS-SOLD> 3,190 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 271,421 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 654,760 <ALLOWANCE> 6,522 <TOTAL-ASSETS> 1,039,843 <DEPOSITS> 748,243 <SHORT-TERM> 195,374 <LIABILITIES-OTHER> 6,295 <LONG-TERM> 35,737 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,453 <OTHER-SE> 52,741 <TOTAL-LIABILITIES-AND-EQUITY> 1,039,843 <INTEREST-LOAN> 51,784 <INTEREST-INVEST> 17,336 <INTEREST-OTHER> 275 <INTEREST-TOTAL> 69,395 <INTEREST-DEPOSIT> 27,153 <INTEREST-EXPENSE> 37,093 <INTEREST-INCOME-NET> 32,302 <LOAN-LOSSES> 1,310 <SECURITIES-GAINS> 1,340 <EXPENSE-OTHER> 30,541 <INCOME-PRETAX> 12,404 <INCOME-PRE-EXTRAORDINARY> 8,319 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,319 <EPS-BASIC> 1.43 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 3.61 <LOANS-NON> 329 <LOANS-PAST> 171 <LOANS-TROUBLED> 1,179 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,510 <CHARGE-OFFS> 435 <RECOVERIES> 137 <ALLOWANCE-CLOSE> 6,522 <ALLOWANCE-DOMESTIC> 6,522 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0