<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-END> SEP-30-1999 <CASH> 23,716 <INT-BEARING-DEPOSITS> 12,927 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 179,097 <INVESTMENTS-CARRYING> 30,049 <INVESTMENTS-MARKET> 30,000 <LOANS> 678,818 <ALLOWANCE> 8,447 <TOTAL-ASSETS> 975,146 <DEPOSITS> 705,707 <SHORT-TERM> 19,635 <LIABILITIES-OTHER> 9,444 <LONG-TERM> 149,220 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,758 <OTHER-SE> 82,382 <TOTAL-LIABILITIES-AND-EQUITY> 975,146 <INTEREST-LOAN> 39,635 <INTEREST-INVEST> 10,387 <INTEREST-OTHER> 37 <INTEREST-TOTAL> 50,059 <INTEREST-DEPOSIT> 20,632 <INTEREST-EXPENSE> 26,078 <INTEREST-INCOME-NET> 23,981 <LOAN-LOSSES> 939 <SECURITIES-GAINS> (6) <EXPENSE-OTHER> 18,053 <INCOME-PRETAX> 9,533 <INCOME-PRE-EXTRAORDINARY> 9,533 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,820 <EPS-BASIC> .78 <EPS-DILUTED> .78 <YIELD-ACTUAL> 3.71 <LOANS-NON> 6162 <LOANS-PAST> 1180 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1016 <ALLOWANCE-OPEN> 8679 <CHARGE-OFFS> 1,536 <RECOVERIES> 365 <ALLOWANCE-CLOSE> 8,447 <ALLOWANCE-DOMESTIC> 8,447 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,164