<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                        
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         16,422
<INT-BEARING-DEPOSITS>                          1,347
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   140,233
<INVESTMENTS-CARRYING>                        374,681
<INVESTMENTS-MARKET>                          370,085
<LOANS>                                       287,552
<ALLOWANCE>                                     1,887
<TOTAL-ASSETS>                                714,686
<DEPOSITS>                                    406,612
<SHORT-TERM>                                   25,000
<LIABILITIES-OTHER>                             8,447
<LONG-TERM>                                   223,359
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          529
<OTHER-SE>                                     50,739
<TOTAL-LIABILITIES-AND-EQUITY>                714,686
<INTEREST-LOAN>                                16,277
<INTEREST-INVEST>                              18,023
<INTEREST-OTHER>                                  619
<INTEREST-TOTAL>                               34,919
<INTEREST-DEPOSIT>                             11,135
<INTEREST-EXPENSE>                             20,805
<INTEREST-INCOME-NET>                          14,114
<LOAN-LOSSES>                                     180
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                10,110
<INCOME-PRETAX>                                 4,743
<INCOME-PRE-EXTRAORDINARY>                      3,064
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    3,064
<EPS-BASIC>                                    1.10
<EPS-DILUTED>                                    1.03
<YIELD-ACTUAL>                                   2.72
<LOANS-NON>                                         0
<LOANS-PAST>                                    1,392
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,909
<CHARGE-OFFS>                                     203
<RECOVERIES>                                        1
<ALLOWANCE-CLOSE>                               1,887
<ALLOWANCE-DOMESTIC>                            1,887
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,887