<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>                                          32,593
<INT-BEARING-DEPOSITS>                           7,201
<FED-FUNDS-SOLD>                                 2,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    120,622
<INVESTMENTS-CARRYING>                          30,329
<INVESTMENTS-MARKET>                            29,740
<LOANS>                                        323,366
<ALLOWANCE>                                    (6,016)
<TOTAL-ASSETS>                                 549,315
<DEPOSITS>                                     472,500
<SHORT-TERM>                                    27,100
<LIABILITIES-OTHER>                              3,819
<LONG-TERM>                                      3,230
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        35,495
<OTHER-SE>                                       7,171
<TOTAL-LIABILITIES-AND-EQUITY>                  42,666
<INTEREST-LOAN>                                 21,898
<INTEREST-INVEST>                                6,165
<INTEREST-OTHER>                                   424
<INTEREST-TOTAL>                                28,487
<INTEREST-DEPOSIT>                               9,609
<INTEREST-EXPENSE>                              10,032
<INTEREST-INCOME-NET>                           18,455
<LOAN-LOSSES>                                    1,772
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 15,238
<INCOME-PRETAX>                                  5,255
<INCOME-PRE-EXTRAORDINARY>                       3,652
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,652
<EPS-BASIC>                                       0.80
<EPS-DILUTED>                                     0.77
<YIELD-ACTUAL>                                    5.47
<LOANS-NON>                                      3,275
<LOANS-PAST>                                        46
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,775
<CHARGE-OFFS>                                    1,367
<RECOVERIES>                                       836
<ALLOWANCE-CLOSE>                                6,016
<ALLOWANCE-DOMESTIC>                             6,016
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0