<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
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<INTEREST-EXPENSE>                               4,950
<INTEREST-INCOME-NET>                            5,811
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
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