<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S AUDITED ANNUAL FINANCIAL STATEMENTS AND DISCLOSURES FOR THE PERIOD
ENDED DECEMBER 31, 1999 AS PRESENTED IN ITS ANNUAL 1999 FORM 10-K AND IS
QUALIIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          30,926
<INT-BEARING-DEPOSITS>                           1,146
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    227,384
<INVESTMENTS-CARRYING>                           8,607
<INVESTMENTS-MARKET>                             8,607
<LOANS>                                        359,963
<ALLOWANCE>                                      4,665
<TOTAL-ASSETS>                                 653,243
<DEPOSITS>                                     481,774
<SHORT-TERM>                                    79,646
<LIABILITIES-OTHER>                              6,511
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      65,269
<TOTAL-LIABILITIES-AND-EQUITY>                 653,243
<INTEREST-LOAN>                                 29,447
<INTEREST-INVEST>                               13,993
<INTEREST-OTHER>                                   737
<INTEREST-TOTAL>                                44,177
<INTEREST-DEPOSIT>                              15,096
<INTEREST-EXPENSE>                              18,728
<INTEREST-INCOME-NET>                           25,449
<LOAN-LOSSES>                                      673
<SECURITIES-GAINS>                                 151
<EXPENSE-OTHER>                                 21,631
<INCOME-PRETAX>                                 12,551
<INCOME-PRE-EXTRAORDINARY>                       8,392
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,392
<EPS-BASIC>                                       2.03
<EPS-DILUTED>                                     2.03
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                        640
<LOANS-PAST>                                       281
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,509
<CHARGE-OFFS>                                      690
<RECOVERIES>                                       173
<ALLOWANCE-CLOSE>                                4,665
<ALLOWANCE-DOMESTIC>                             3,162
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,503