<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S DOLLARS

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          48,949
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,719
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    201,614
<INVESTMENTS-CARRYING>                         229,043
<INVESTMENTS-MARKET>                           218,586
<LOANS>                                      1,028,510
<ALLOWANCE>                                   (14,958)
<TOTAL-ASSETS>                               1,590,056
<DEPOSITS>                                   1,081,806
<SHORT-TERM>                                   103,243
<LIABILITIES-OTHER>                             21,904
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           28,750
<PREFERRED>                                          0
<COMMON>                                           149
<OTHER-SE>                                      97,980
<TOTAL-LIABILITIES-AND-EQUITY>               1,590,056
<INTEREST-LOAN>                                 81,296
<INTEREST-INVEST>                               30,127
<INTEREST-OTHER>                                   578
<INTEREST-TOTAL>                               112,006
<INTEREST-DEPOSIT>                              30,668
<INTEREST-EXPENSE>                              50,178
<INTEREST-INCOME-NET>                           61,828
<LOAN-LOSSES>                                    3,927
<SECURITIES-GAINS>                                  34
<EXPENSE-OTHER>                                 45,450
<INCOME-PRETAX>                                 24,576
<INCOME-PRE-EXTRAORDINARY>                      24,576
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,031
<EPS-BASIC>                                       1.20
<EPS-DILUTED>                                     1.19
<YIELD-ACTUAL>                                    7.73
<LOANS-NON>                                      3,338
<LOANS-PAST>                                       316
<LOANS-TROUBLED>                                 1,224
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,695
<CHARGE-OFFS>                                  (3,970)
<RECOVERIES>                                     1,306
<ALLOWANCE-CLOSE>                               14,958
<ALLOWANCE-DOMESTIC>                            14,958
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0