<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED STATEMENTS OF FINANCIAL CONDITION AND CONSOLIDATED
CONDENSED STATEMENTS OF INCOME FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q
FOR THE PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          28,015
<INT-BEARING-DEPOSITS>                           1,185
<FED-FUNDS-SOLD>                                19,480
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    143,749
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        387,294
<ALLOWANCE>                                      5,698
<TOTAL-ASSETS>                                 590,204
<DEPOSITS>                                     540,013
<SHORT-TERM>                                        50
<LIABILITIES-OTHER>                              3,622
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,641
<OTHER-SE>                                      11,878
<TOTAL-LIABILITIES-AND-EQUITY>                 590,204
<INTEREST-LOAN>                                 26,520
<INTEREST-INVEST>                                6,326
<INTEREST-OTHER>                                 1,008
<INTEREST-TOTAL>                                33,854
<INTEREST-DEPOSIT>                               9,619
<INTEREST-EXPENSE>                               9,620
<INTEREST-INCOME-NET>                           24,234
<LOAN-LOSSES>                                    2,910
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                 18,051
<INCOME-PRETAX>                                  7,492
<INCOME-PRE-EXTRAORDINARY>                       4,510
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,510
<EPS-BASIC>                                        .66
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    6.06
<LOANS-NON>                                      2,297
<LOANS-PAST>                                     1,174
<LOANS-TROUBLED>                                   562
<LOANS-PROBLEM>                                    412
<ALLOWANCE-OPEN>                                 4,767
<CHARGE-OFFS>                                    2,123
<RECOVERIES>                                       144
<ALLOWANCE-CLOSE>                                5,698
<ALLOWANCE-DOMESTIC>                             5,698
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0