<ARTICLE> 9
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                           6,943                   9,973
<INT-BEARING-DEPOSITS>                          11,732                  57,037
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    198,740                 224,870
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        748,277                 812,877
<ALLOWANCE>                                   (11,114)                 (9,107)
<TOTAL-ASSETS>                               1,021,107               1,142,622
<DEPOSITS>                                     745,085                 775,448
<SHORT-TERM>                                   142,038                 173,800
<LIABILITIES-OTHER>                              8,759                  17,016
<LONG-TERM>                                     77,917                 127,918
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,256                   1,250
<OTHER-SE>                                      46,052                  47,190
<TOTAL-LIABILITIES-AND-EQUITY>               1,021,107               1,142,622
<INTEREST-LOAN>                                 76,829                  70,844
<INTEREST-INVEST>                                7,704                  11,927
<INTEREST-OTHER>                                   823                     480
<INTEREST-TOTAL>                                85,356                  83,251
<INTEREST-DEPOSIT>                              39,833                  38,724
<INTEREST-EXPENSE>                              53,584                  52,299
<INTEREST-INCOME-NET>                           31,772                  30,952
<LOAN-LOSSES>                                    3,638                   3,944
<SECURITIES-GAINS>                                 381                   (942)
<EXPENSE-OTHER>                                 62,106                  48,753
<INCOME-PRETAX>                                  3,997                  11,825
<INCOME-PRE-EXTRAORDINARY>                       3,997                  11,825
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,591                   6,737
<EPS-BASIC>                                       2.06                    5.05
<EPS-DILUTED>                                     2.06                    5.05
<YIELD-ACTUAL>                                    3.04                    3.22
<LOANS-NON>                                      5,813                   7,629
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 3,619                   2,010
<LOANS-PROBLEM>                                  9,432                   9,639
<ALLOWANCE-OPEN>                                 9,107                   7,333
<CHARGE-OFFS>                                    3,186                   3,205
<RECOVERIES>                                     1,555                   1,035
<ALLOWANCE-CLOSE>                               11,114                   9,107
<ALLOWANCE-DOMESTIC>                            11,114                   9,107
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0