<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the third quarter
10-Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          45,835
<INT-BEARING-DEPOSITS>                              62
<FED-FUNDS-SOLD>                                   220
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    276,191
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        637,323
<ALLOWANCE>                                      6,381
<TOTAL-ASSETS>                               1,009,531
<DEPOSITS>                                     720,994
<SHORT-TERM>                                   191,370
<LIABILITIES-OTHER>                              7,331
<LONG-TERM>                                     35,730
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      49,128
<TOTAL-LIABILITIES-AND-EQUITY>               1,009,531
<INTEREST-LOAN>                                 37,804
<INTEREST-INVEST>                               13,144
<INTEREST-OTHER>                                   232
<INTEREST-TOTAL>                                51,180
<INTEREST-DEPOSIT>                              20,305
<INTEREST-EXPENSE>                              27,356
<INTEREST-INCOME-NET>                           23,824
<LOAN-LOSSES>                                    1,050
<SECURITIES-GAINS>                               1,340
<EXPENSE-OTHER>                                 22,659
<INCOME-PRETAX>                                  9,573
<INCOME-PRE-EXTRAORDINARY>                       6,321
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,321
<EPS-BASIC>                                       1.09
<EPS-DILUTED>                                     1.09
<YIELD-ACTUAL>                                    3.55
<LOANS-NON>                                        211
<LOANS-PAST>                                       406
<LOANS-TROUBLED>                                 1,205
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,510
<CHARGE-OFFS>                                      270
<RECOVERIES>                                        91
<ALLOWANCE-CLOSE>                                6,381
<ALLOWANCE-DOMESTIC>                             3,127
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,254