<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDING SEPTEMBER 30, 1999 AS PRESENTED IN ITS THIRD QUARTER 1999 FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
AND DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          28,618
<INT-BEARING-DEPOSITS>                           1,520
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    234,324
<INVESTMENTS-CARRYING>                           8,498
<INVESTMENTS-MARKET>                             8,498
<LOANS>                                        353,724
<ALLOWANCE>                                      4,684
<TOTAL-ASSETS>                                 650,804
<DEPOSITS>                                     502,473
<SHORT-TERM>                                    52,088
<LIABILITIES-OTHER>                             10,505
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      65,737
<TOTAL-LIABILITIES-AND-EQUITY>                 650,804
<INTEREST-LOAN>                                 21,527
<INTEREST-INVEST>                               10,399
<INTEREST-OTHER>                                   626
<INTEREST-TOTAL>                                32,552
<INTEREST-DEPOSIT>                              11,185
<INTEREST-EXPENSE>                              13,847
<INTEREST-INCOME-NET>                           18,705
<LOAN-LOSSES>                                      533
<SECURITIES-GAINS>                                 150
<EXPENSE-OTHER>                                 15,909
<INCOME-PRETAX>                                  9,100
<INCOME-PRE-EXTRAORDINARY>                       9,100
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,040
<EPS-BASIC>                                       1.46
<EPS-DILUTED>                                     1.46
<YIELD-ACTUAL>                                    4.12
<LOANS-NON>                                      4,074
<LOANS-PAST>                                       690
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,509
<CHARGE-OFFS>                                      487
<RECOVERIES>                                       129
<ALLOWANCE-CLOSE>                                4,684
<ALLOWANCE-DOMESTIC>                             3,336
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,348