<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 17,582 <INT-BEARING-DEPOSITS> 955 <FED-FUNDS-SOLD> 8,035 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 309,298 <INVESTMENTS-CARRYING> 108,167 <INVESTMENTS-MARKET> 100,121 <LOANS> 646,737 <ALLOWANCE> 8,965 <TOTAL-ASSETS> 1,123,598 <DEPOSITS> 743,807 <SHORT-TERM> 298,689 <LIABILITIES-OTHER> 10,777 <LONG-TERM> 11,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,052 <OTHER-SE> 18,773 <TOTAL-LIABILITIES-AND-EQUITY> 1,123,598 <INTEREST-LOAN> 47,554 <INTEREST-INVEST> 21,216 <INTEREST-OTHER> 949 <INTEREST-TOTAL> 69,719 <INTEREST-DEPOSIT> 25,058 <INTEREST-EXPENSE> 39,645 <INTEREST-INCOME-NET> 30,074 <LOAN-LOSSES> 3,175 <SECURITIES-GAINS> (301) <EXPENSE-OTHER> 18,457 <INCOME-PRETAX> 11,207 <INCOME-PRE-EXTRAORDINARY> 3,187 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,020 <EPS-BASIC> 1.33 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 7.54 <LOANS-NON> 2,189 <LOANS-PAST> 349 <LOANS-TROUBLED> 540 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,768 <CHARGE-OFFS> 1,085 <RECOVERIES> 107 <ALLOWANCE-CLOSE> 8,965 <ALLOWANCE-DOMESTIC> 8,965 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0