<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