<ARTICLE>                                            9


                             
<PERIOD-TYPE>                   12-mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-START>                                 Jan-01-1999
<PERIOD-END>                                   Dec-31-1999
<CASH>                                            39,992
<INT-BEARING-DEPOSITS>                                 0
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<TRADING-ASSETS>                                       0
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<SHORT-TERM>                                      66,964
<LIABILITIES-OTHER>                                6,027
<LONG-TERM>                                       24,970
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<OTHER-SE>                                        76,593
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<INTEREST-INVEST>                                 14,935
<INTEREST-OTHER>                                     373
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<INTEREST-DEPOSIT>                                27,408
<INTEREST-EXPENSE>                                30,462
<INTEREST-INCOME-NET>                             43,089
<LOAN-LOSSES>                                        660
<SECURITIES-GAINS>                                   309
<EXPENSE-OTHER>                                   35,983
<INCOME-PRETAX>                                   18,903
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<CHARGE-OFFS>                                        626
<RECOVERIES>                                         493
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<ALLOWANCE-DOMESTIC>                               6,870
<ALLOWANCE-FOREIGN>                                    0
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