<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