<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          58,697
<INT-BEARING-DEPOSITS>                          13,254
<FED-FUNDS-SOLD>                                47,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         338,154
<INVESTMENTS-MARKET>                           330,416
<LOANS>                                        899,960
<ALLOWANCE>                                   (10,035)
<TOTAL-ASSETS>                               1,437,083
<DEPOSITS>                                   1,223,338
<SHORT-TERM>                                    52,509
<LIABILITIES-OTHER>                             16,495
<LONG-TERM>                                     14,448
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           102
<OTHER-SE>                                     130,191
<TOTAL-LIABILITIES-AND-EQUITY>               1,437,083
<INTEREST-LOAN>                                 58,052
<INTEREST-INVEST>                               13,225
<INTEREST-OTHER>                                 3,042
<INTEREST-TOTAL>                                74,319
<INTEREST-DEPOSIT>                              28,942
<INTEREST-EXPENSE>                              31,076
<INTEREST-INCOME-NET>                           43,243
<LOAN-LOSSES>                                    1,930
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 44,006
<INCOME-PRETAX>                                 15,864
<INCOME-PRE-EXTRAORDINARY>                      10,933
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,933
<EPS-BASIC>                                     1.07
<EPS-DILUTED>                                     1.07
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                      2,669
<LOANS-PAST>                                       991
<LOANS-TROUBLED>                                    25
<LOANS-PROBLEM>                                  3,700
<ALLOWANCE-OPEN>                                 9,827
<CHARGE-OFFS>                                    2,278
<RECOVERIES>                                       556
<ALLOWANCE-CLOSE>                               10,035
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0