<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