<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1999 CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          81,425
<INT-BEARING-DEPOSITS>                          10,950
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    364,061
<INVESTMENTS-CARRYING>                         364,061
<INVESTMENTS-MARKET>                           364,061
<LOANS>                                        825,633
<ALLOWANCE>                                     10,472
<TOTAL-ASSETS>                               1,378,716
<DEPOSITS>                                     970,821
<SHORT-TERM>                                   236,500
<LIABILITIES-OTHER>                              9,582
<LONG-TERM>                                     60,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           101
<OTHER-SE>                                     101,711
<TOTAL-LIABILITIES-AND-EQUITY>               1,378,716
<INTEREST-LOAN>                                 42,808
<INTEREST-INVEST>                               15,702
<INTEREST-OTHER>                                 4,584
<INTEREST-TOTAL>                                63,094
<INTEREST-DEPOSIT>                              28,230
<INTEREST-EXPENSE>                              10,502
<INTEREST-INCOME-NET>                           24,362
<LOAN-LOSSES>                                    1,021
<SECURITIES-GAINS>                                  12
<EXPENSE-OTHER>                                  3,617
<INCOME-PRETAX>                                 10,920
<INCOME-PRE-EXTRAORDINARY>                      10,920
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,675
<EPS-PRIMARY>                                     0.88
<EPS-DILUTED>                                     0.88
<YIELD-ACTUAL>                                    3.44
<LOANS-NON>                                      3,348
<LOANS-PAST>                                     8,475
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                    2,317
<RECOVERIES>                                     1,268
<ALLOWANCE-CLOSE>                               10,472
<ALLOWANCE-DOMESTIC>                            10,472
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,676