<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND THE CONSOLIDATED CONDENSED
INCOME STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          26,648
<INT-BEARING-DEPOSITS>                              29
<FED-FUNDS-SOLD>                                   250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    235,690
<INVESTMENTS-CARRYING>                          18,331
<INVESTMENTS-MARKET>                            18,306
<LOANS>                                        605,827
<ALLOWANCE>                                      6,800
<TOTAL-ASSETS>                                 937,404
<DEPOSITS>                                     803,360
<SHORT-TERM>                                    22,519
<LIABILITIES-OTHER>                             22,605
<LONG-TERM>                                      6,700
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,428
<OTHER-SE>                                      57,367
<TOTAL-LIABILITIES-AND-EQUITY>                 937,404
<INTEREST-LOAN>                                 36,037
<INTEREST-INVEST>                               10,816
<INTEREST-OTHER>                                 1,021
<INTEREST-TOTAL>                                47,874
<INTEREST-DEPOSIT>                              22,400
<INTEREST-EXPENSE>                              25,230
<INTEREST-INCOME-NET>                           22,644
<LOAN-LOSSES>                                    1,104
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                 18,234
<INCOME-PRETAX>                                  7,751
<INCOME-PRE-EXTRAORDINARY>                       7,751
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,152
<EPS-BASIC>                                       1.07
<EPS-DILUTED>                                     1.07
<YIELD-ACTUAL>                                    3.66
<LOANS-NON>                                      3,980
<LOANS-PAST>                                       594
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,099
<CHARGE-OFFS>                                    1,104
<RECOVERIES>                                       232
<ALLOWANCE-CLOSE>                                6,800
<ALLOWANCE-DOMESTIC>                             4,976
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,824