<ARTICLE> 9

                             
<PERIOD-TYPE>                                    YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-3O-1999
<CASH>                                           15675
<INT-BEARING-DEPOSITS>                          525324
<FED-FUNDS-SOLD>                                 21750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     157516
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         568784
<ALLOWANCE>                                       3910
<TOTAL-ASSETS>                                  788986
<DEPOSITS>                                      589718
<SHORT-TERM>                                     50948
<LIABILITIES-OTHER>                              67339
<LONG-TERM>                                      23000
<COMMON>                                            61
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       57920
<TOTAL-LIABILITIES-AND-EQUITY>                  788986
<INTEREST-LOAN>                                  34525
<INTEREST-INVEST>                                 4824
<INTEREST-OTHER>                                   217
<INTEREST-TOTAL>                                 39566
<INTEREST-DEPOSIT>                               15938
<INTEREST-EXPENSE>                                2887
<INTEREST-INCOME-NET>                            20741
<LOAN-LOSSES>                                     1396
<SECURITIES-GAINS>                                 116
<EXPENSE-OTHER>                                  15513
<INCOME-PRETAX>                                   8788
<INCOME-PRE-EXTRAORDINARY>                        8788
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      5771
<EPS-BASIC>                                      .94
<EPS-DILUTED>                                      .94
<YIELD-ACTUAL>                                    4.38
<LOANS-NON>                                        494
<LOANS-PAST>                                       823
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                     1071
<RECOVERIES>                                       281
<ALLOWANCE-CLOSE>                                 3910
<ALLOWANCE-DOMESTIC>                              3910
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0