<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from consolidated
balance sheet and statement of operations and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          13,731
<INT-BEARING-DEPOSITS>                           5,062
<FED-FUNDS-SOLD>                                 6,542
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    133,900
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        544,812
<ALLOWANCE>                                      7,297
<TOTAL-ASSETS>                                 721,813
<DEPOSITS>                                     592,864
<SHORT-TERM>                                    41,431
<LIABILITIES-OTHER>                              8,940
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      78,578
<TOTAL-LIABILITIES-AND-EQUITY>                 721,813
<INTEREST-LOAN>                                 29,886
<INTEREST-INVEST>                                6,323
<INTEREST-OTHER>                                 8,888
<INTEREST-TOTAL>                                37,097
<INTEREST-DEPOSIT>                              17,361
<INTEREST-EXPENSE>                               1,583
<INTEREST-INCOME-NET>                           18,153
<LOAN-LOSSES>                                   17,591
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 14,289
<INCOME-PRETAX>                                  5,433
<INCOME-PRE-EXTRAORDINARY>                       3,607
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,607
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    2.63
<LOANS-NON>                                         32
<LOANS-PAST>                                       475
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,633
<CHARGE-OFFS>                                       11
<RECOVERIES>                                       113
<ALLOWANCE-CLOSE>                                7,297
<ALLOWANCE-DOMESTIC>                             7,297
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,201