<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 46,160 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 132,756 <INVESTMENTS-CARRYING> 15,606 <INVESTMENTS-MARKET> 15,731 <LOANS> 524,220 <ALLOWANCE> 9,889 <TOTAL-ASSETS> 751,350 <DEPOSITS> 608,193 <SHORT-TERM> 57,715 <LIABILITIES-OTHER> 6,203 <LONG-TERM> 4,416 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,582 <OTHER-SE> 67,241 <TOTAL-LIABILITIES-AND-EQUITY> 751,350 <INTEREST-LOAN> 37,406 <INTEREST-INVEST> 6,408 <INTEREST-OTHER> 468 <INTEREST-TOTAL> 44,282 <INTEREST-DEPOSIT> 16,726 <INTEREST-EXPENSE> 17,849 <INTEREST-INCOME-NET> 26,433 <LOAN-LOSSES> 1,563 <SECURITIES-GAINS> (81) <EXPENSE-OTHER> 21,024 <INCOME-PRETAX> 9,680 <INCOME-PRE-EXTRAORDINARY> 9,680 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,395 <EPS-BASIC> .88 <EPS-DILUTED> .88 <YIELD-ACTUAL> 5.44 <LOANS-NON> 6,636 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 6,636 <ALLOWANCE-OPEN> 10,192 <CHARGE-OFFS> 2,639 <RECOVERIES> 773 <ALLOWANCE-CLOSE> 9,889 <ALLOWANCE-DOMESTIC> 9,889 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,889