<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          14,646
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,827
<INVESTMENTS-CARRYING>                         130,641
<INVESTMENTS-MARKET>                           127,709
<LOANS>                                        260,774
<ALLOWANCE>                                    (4,903)
<TOTAL-ASSETS>                                 459,046
<DEPOSITS>                                     292,584
<SHORT-TERM>                                    75,621
<LIABILITIES-OTHER>                              4,622
<LONG-TERM>                                     37,248
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,287
<OTHER-SE>                                      41,685
<TOTAL-LIABILITIES-AND-EQUITY>                 459,046
<INTEREST-LOAN>                                 16,113
<INTEREST-INVEST>                                7,310
<INTEREST-OTHER>                                    46
<INTEREST-TOTAL>                                23,469
<INTEREST-DEPOSIT>                               6,150
<INTEREST-EXPENSE>                              10,038
<INTEREST-INCOME-NET>                           13,431
<LOAN-LOSSES>                                      656
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                 10,121
<INCOME-PRETAX>                                  6,871
<INCOME-PRE-EXTRAORDINARY>                       6,871
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,583
<EPS-BASIC>                                       1.33
<EPS-DILUTED>                                     1.33
<YIELD-ACTUAL>                                    7.85
<LOANS-NON>                                      1,737
<LOANS-PAST>                                     1,547
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,455
<CHARGE-OFFS>                                      415
<RECOVERIES>                                       208
<ALLOWANCE-CLOSE>                                4,903
<ALLOWANCE-DOMESTIC>                             4,903
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,290