<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT SEPTEMBER 30, 1999 AND DECEMBER 31, 1998 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND NIN MONTHS ENDED
SEPTEMBER 30, 1999 AND 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                            2595
<INT-BEARING-DEPOSITS>                            3935
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     184039
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         461337
<ALLOWANCE>                                       3233
<TOTAL-ASSETS>                                  687528
<DEPOSITS>                                      404555
<SHORT-TERM>                                     40500
<LIABILITIES-OTHER>                               5326
<LONG-TERM>                                     171400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                       65747
<TOTAL-LIABILITIES-AND-EQUITY>                  687528
<INTEREST-LOAN>                                  26170
<INTEREST-INVEST>                                 8460
<INTEREST-OTHER>                                   468
<INTEREST-TOTAL>                                 35098
<INTEREST-DEPOSIT>                               13567
<INTEREST-EXPENSE>                               21524
<INTEREST-INCOME-NET>                            13574
<LOAN-LOSSES>                                      195
<SECURITIES-GAINS>                                 148
<EXPENSE-OTHER>                                   8896
<INCOME-PRETAX>                                   7823
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4813
<EPS-BASIC>                                       1.09
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    2.75
<LOANS-NON>                                        304
<LOANS-PAST>                                       198
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    123
<ALLOWANCE-OPEN>                                  3041
<CHARGE-OFFS>                                      (4)
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                 3233
<ALLOWANCE-DOMESTIC>                              1489
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1744