<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 50,834 <INT-BEARING-DEPOSITS> 1,089 <FED-FUNDS-SOLD> 14,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 516,799 <INVESTMENTS-CARRYING> 33,241 <INVESTMENTS-MARKET> 33,152 <LOANS> 722,740 <ALLOWANCE> 14,194 <TOTAL-ASSETS> 1,387,052 <DEPOSITS> 1,203,878 <SHORT-TERM> 9,465 <LIABILITIES-OTHER> 16,339 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 59,661 <OTHER-SE> 97,709 <TOTAL-LIABILITIES-AND-EQUITY> 1,387,052 <INTEREST-LOAN> 49,463 <INTEREST-INVEST> 22,444 <INTEREST-OTHER> 2,230 <INTEREST-TOTAL> 74,137 <INTEREST-DEPOSIT> 19,445 <INTEREST-EXPENSE> 19,659 <INTEREST-INCOME-NET> 54,478 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 43,921 <INCOME-PRETAX> 23,601 <INCOME-PRE-EXTRAORDINARY> 15,301 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,301 <EPS-BASIC> 1.36 <EPS-DILUTED> 1.35 <YIELD-ACTUAL> 7.82 <LOANS-NON> 1,541 <LOANS-PAST> 5,679 <LOANS-TROUBLED> 2,573 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 14,441 <CHARGE-OFFS> 1,196 <RECOVERIES> 899 <ALLOWANCE-CLOSE> 14,194 <ALLOWANCE-DOMESTIC> 14,194 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,875