<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          16,167
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   224
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    220,767
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        388,327
<ALLOWANCE>                                    (3,543)
<TOTAL-ASSETS>                                 656,361
<DEPOSITS>                                     382,783
<SHORT-TERM>                                   105,654
<LIABILITIES-OTHER>                              3,974
<LONG-TERM>                                    122,200
<PREFERRED-MANDATORY>                           11,991
<PREFERRED>                                          0
<COMMON>                                           683
<OTHER-SE>                                      29,276
<TOTAL-LIABILITIES-AND-EQUITY>                 656,361
<INTEREST-LOAN>                                 20,548
<INTEREST-INVEST>                               10,442
<INTEREST-OTHER>                                    32
<INTEREST-TOTAL>                                31,022
<INTEREST-DEPOSIT>                               8,459
<INTEREST-EXPENSE>                              16,731
<INTEREST-INCOME-NET>                           14,291
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                 557
<EXPENSE-OTHER>                                 14,221
<INCOME-PRETAX>                                  4,960
<INCOME-PRE-EXTRAORDINARY>                       4,960
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,176
<EPS-BASIC>                                        .96
<EPS-DILUTED>                                      .91
<YIELD-ACTUAL>                                    7.10
<LOANS-NON>                                        648
<LOANS-PAST>                                         8
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,077
<CHARGE-OFFS>                                      181
<RECOVERIES>                                       197
<ALLOWANCE-CLOSE>                                3,543
<ALLOWANCE-DOMESTIC>                             2,039
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,504