<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-START>                                 Jan-01-1999
<PERIOD-END>                                   Sep-30-1999
<CASH>                                            39,954
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      210,421
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<LOANS>                                          762,517
<ALLOWANCE>                                        6,821
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<DEPOSITS>                                       883,406
<SHORT-TERM>                                      69,309
<LIABILITIES-OTHER>                                5,713
<LONG-TERM>                                       24,970
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<PREFERRED>                                            0
<COMMON>                                             518
<OTHER-SE>                                        76,815
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<INTEREST-LOAN>                                   43,157
<INTEREST-INVEST>                                 11,503
<INTEREST-OTHER>                                     324
<INTEREST-TOTAL>                                  54,984
<INTEREST-DEPOSIT>                                20,463
<INTEREST-EXPENSE>                                22,507
<INTEREST-INCOME-NET>                             32,477
<LOAN-LOSSES>                                        510
<SECURITIES-GAINS>                                   328
<EXPENSE-OTHER>                                   27,285
<INCOME-PRETAX>                                   14,023
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<EXTRAORDINARY>                                        0
<CHANGES>                                              0
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<EPS-BASIC>                                       1.80
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<YIELD-ACTUAL>                                      4.37
<LOANS-NON>                                        2,245
<LOANS-PAST>                                         112
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<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   6,343
<CHARGE-OFFS>                                        383
<RECOVERIES>                                         351
<ALLOWANCE-CLOSE>                                  6,821
<ALLOWANCE-DOMESTIC>                               6,821
<ALLOWANCE-FOREIGN>                                    0
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