<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                               746
<INT-BEARING-DEPOSITS>                           114,670
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       70,080
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                        1,128,753
<ALLOWANCE>                                       12,344
<TOTAL-ASSETS>                                 1,429,906
<DEPOSITS>                                       993,289
<SHORT-TERM>                                     235,336
<LIABILITIES-OTHER>                               13,847
<LONG-TERM>                                        7,272
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             300
<OTHER-SE>                                       179,862
<TOTAL-LIABILITIES-AND-EQUITY>                 1,429,906
<INTEREST-LOAN>                                  162,641
<INTEREST-INVEST>                                  9,358
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                                 171,999
<INTEREST-DEPOSIT>                                50,652
<INTEREST-EXPENSE>                                62,495
<INTEREST-INCOME-NET>                            109,504
<LOAN-LOSSES>                                      3,821
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                   10,415
<INCOME-PRETAX>                                  104,083
<INCOME-PRE-EXTRAORDINARY>                       104,083
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     100,853
<EPS-BASIC>                                     336.18
<EPS-DILUTED>                                     336.18
<YIELD-ACTUAL>                                      8.53
<LOANS-NON>                                       81,333
<LOANS-PAST>                                         366
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                  13,867
<CHARGE-OFFS>                                      7,580
<RECOVERIES>                                       2,236
<ALLOWANCE-CLOSE>                                 12,344
<ALLOWANCE-DOMESTIC>                              12,344
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0