<ARTICLE> 9 <PERIOD-TYPE> YEAR YEAR <FISCAL-YEAR-END> DEC-31-1999 DEC-31-1998 <PERIOD-END> DEC-31-1999 DEC-31-1998 <CASH> 23,707 18,097 <INT-BEARING-DEPOSITS> 1,688 32,615 <FED-FUNDS-SOLD> 0 175 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 188,148 151,527 <INVESTMENTS-CARRYING> 30,191 48,346 <INVESTMENTS-MARKET> 29,838 49,462 <LOANS> 697,137 600,537 <ALLOWANCE> 8,868 8,323 <TOTAL-ASSETS> 992,635 896,925 <DEPOSITS> 698,261 665,113 <SHORT-TERM> 73,115 7,028 <LIABILITIES-OTHER> 10,870 9,127 <LONG-TERM> 122,902 124,381 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 9,029 8,705 <OTHER-SE> 78,458 82,571 <TOTAL-LIABILITIES-AND-EQUITY> 992,635 896,925 <INTEREST-LOAN> 53,868 51,980 <INTEREST-INVEST> 14,024 12,508 <INTEREST-OTHER> 37 872 <INTEREST-TOTAL> 67,929 65,360 <INTEREST-DEPOSIT> 27,860 28,450 <INTEREST-EXPENSE> 35,759 34,605 <INTEREST-INCOME-NET> 32,170 30,755 <LOAN-LOSSES> 1,718 1,338 <SECURITIES-GAINS> (6) 38 <EXPENSE-OTHER> 24,832 22,318 <INCOME-PRETAX> 11,871 12,095 <INCOME-PRE-EXTRAORDINARY> 11,871 12,095 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 8,822 8,570 <EPS-BASIC> 0.96 0.93 <EPS-DILUTED> 0.96 0.93 <YIELD-ACTUAL> 3.66 3.76 <LOANS-NON> 7,237 5,411 <LOANS-PAST> 1,564 1,522 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 6,021 9,475 <ALLOWANCE-OPEN> 8,323 8,654 <CHARGE-OFFS> 2,005 2,044 <RECOVERIES> 476 375 <ALLOWANCE-CLOSE> 8,868 8,323 <ALLOWANCE-DOMESTIC> 8,868 8,323 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 1,531 3,382