<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