<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          24,984
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,371
<INVESTMENTS-CARRYING>                          22,897
<INVESTMENTS-MARKET>                            22,924
<LOANS>                                        517,087
<ALLOWANCE>                                      7,274
<TOTAL-ASSETS>                                 647,438
<DEPOSITS>                                     555,267
<SHORT-TERM>                                    32,039
<LIABILITIES-OTHER>                              8,484
<LONG-TERM>                                      2,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,700
<OTHER-SE>                                      43,848
<TOTAL-LIABILITIES-AND-EQUITY>                  49,548
<INTEREST-LOAN>                                 31,224
<INTEREST-INVEST>                                3,376
<INTEREST-OTHER>                                   932
<INTEREST-TOTAL>                                35,532
<INTEREST-DEPOSIT>                              14,025
<INTEREST-EXPENSE>                              15,390
<INTEREST-INCOME-NET>                           20,142
<LOAN-LOSSES>                                    1,160
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,699
<INCOME-PRETAX>                                 10,775
<INCOME-PRE-EXTRAORDINARY>                      10,775
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,281
<EPS-BASIC>                                     1.09
<EPS-DILUTED>                                     1.06
<YIELD-ACTUAL>                                    8.19
<LOANS-NON>                                      2,248
<LOANS-PAST>                                       603
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,457
<ALLOWANCE-OPEN>                                 6,666
<CHARGE-OFFS>                                      609
<RECOVERIES>                                        57
<ALLOWANCE-CLOSE>                                7,274
<ALLOWANCE-DOMESTIC>                             7,274
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,550