<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          21,514
<INT-BEARING-DEPOSITS>                          22,247
<FED-FUNDS-SOLD>                                 2,285
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,496
<INVESTMENTS-CARRYING>                          16,967
<INVESTMENTS-MARKET>                            17,007
<LOANS>                                        400,574
<ALLOWANCE>                                      5,988
<TOTAL-ASSETS>                                 535,149
<DEPOSITS>                                     456,085
<SHORT-TERM>                                    30,000
<LIABILITIES-OTHER>                              6,184
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        18,904
<OTHER-SE>                                      23,976
<TOTAL-LIABILITIES-AND-EQUITY>                 535,149
<INTEREST-LOAN>                                 24,947
<INTEREST-INVEST>                                3,123
<INTEREST-OTHER>                                   540
<INTEREST-TOTAL>                                28,610
<INTEREST-DEPOSIT>                              11,117
<INTEREST-EXPENSE>                              11,343
<INTEREST-INCOME-NET>                           17,267
<LOAN-LOSSES>                                      665
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                 13,188
<INCOME-PRETAX>                                  7,274
<INCOME-PRE-EXTRAORDINARY>                       7,274
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,842
<EPS-BASIC>                                       1.07
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    5.06
<LOANS-NON>                                        535
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   260
<LOANS-PROBLEM>                                  1,250
<ALLOWANCE-OPEN>                                 5,504
<CHARGE-OFFS>                                      272
<RECOVERIES>                                        91
<ALLOWANCE-CLOSE>                                5,988
<ALLOWANCE-DOMESTIC>                             4,571
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,417


<FN>
(1) The  Company  paid a 3- for-2  stock  split on  September  13,  1999.  Prior
Financial Data Schedules have not been restated for the recapitalization.
</FN>