<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