<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 12/31/99
CONSOLIDATED BALANCE SHEETS AND THE 12/31/99 CONSOLIDATED STATEMENTS OF INCOME
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          30,384
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    297,580
<INVESTMENTS-CARRYING>                          49,275
<INVESTMENTS-MARKET>                            49,411
<LOANS>                                        413,409
<ALLOWANCE>                                      9,787
<TOTAL-ASSETS>                                 819,881
<DEPOSITS>                                     685,143
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             13,473
<LONG-TERM>                                     41,064
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                      80,194
<TOTAL-LIABILITIES-AND-EQUITY>                 819,881
<INTEREST-LOAN>                                 34,593
<INTEREST-INVEST>                               20,669
<INTEREST-OTHER>                                   793
<INTEREST-TOTAL>                                56,055
<INTEREST-DEPOSIT>                              16,500
<INTEREST-EXPENSE>                              18,862
<INTEREST-INCOME-NET>                           37,193
<LOAN-LOSSES>                                    1,700
<SECURITIES-GAINS>                               (302)
<EXPENSE-OTHER>                                 27,021
<INCOME-PRETAX>                                 14,130
<INCOME-PRE-EXTRAORDINARY>                       9,216
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,216
<EPS-BASIC>                                      13.92
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.88
<LOANS-NON>                                      2,499
<LOANS-PAST>                                        12
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,589
<CHARGE-OFFS>                                    1,309
<RECOVERIES>                                       807
<ALLOWANCE-CLOSE>                                9,787
<ALLOWANCE-DOMESTIC>                             9,787
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,107