<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 9/30/99 CONSOLIDATED BALANCE SHEETS AND THE 9/30/99 CONSOLIDATED STATEMENTS OF INCOME 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> 22,981 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 292,251 <INVESTMENTS-CARRYING> 51,213 <INVESTMENTS-MARKET> 51,693 <LOANS> 399,378 <ALLOWANCE> 9,700 <TOTAL-ASSETS> 782,782 <DEPOSITS> 648,947 <SHORT-TERM> 3,400 <LIABILITIES-OTHER> 7,884 <LONG-TERM> 41,071 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7 <OTHER-SE> 81,473 <TOTAL-LIABILITIES-AND-EQUITY> 782,782 <INTEREST-LOAN> 25,134 <INTEREST-INVEST> 15,497 <INTEREST-OTHER> 522 <INTEREST-TOTAL> 41,153 <INTEREST-DEPOSIT> 13,865 <INTEREST-EXPENSE> 13,865 <INTEREST-INCOME-NET> 27,288 <LOAN-LOSSES> 1,400 <SECURITIES-GAINS> 149 <EXPENSE-OTHER> 19,709 <INCOME-PRETAX> 10,780 <INCOME-PRE-EXTRAORDINARY> 7,029 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,029 <EPS-BASIC> 10.61 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.86 <LOANS-NON> 2,932 <LOANS-PAST> 16 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,589 <CHARGE-OFFS> 928 <RECOVERIES> 639 <ALLOWANCE-CLOSE> 9,700 <ALLOWANCE-DOMESTIC> 9,700 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,700