<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED BALANCE SHEETS OF THE VINTAGE BANK AS OF SEPTEMBER 30, 1999 AND 1998 AND THE RELATED CONSOLIDATED STATEMENTS OF INCOME, CHANGES IN SHAREHOLDERS' EQUITY AND CASH FLOWS FOR EACH OF THE PERIODS ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 8,418 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 5,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,950 <INVESTMENTS-CARRYING> 1,390 <INVESTMENTS-MARKET> 1,390 <LOANS> 117,225 <ALLOWANCE> 1,940 <TOTAL-ASSETS> 197,655 <DEPOSITS> 173,595 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 1,274 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,294 <OTHER-SE> 5,492 <TOTAL-LIABILITIES-AND-EQUITY> 197,655 <INTEREST-LOAN> 7,136 <INTEREST-INVEST> 2,789 <INTEREST-OTHER> 118 <INTEREST-TOTAL> 10,043 <INTEREST-DEPOSIT> 3,044 <INTEREST-EXPENSE> 3,171 <INTEREST-INCOME-NET> 6,872 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 4,688 <INCOME-PRETAX> 3,290 <INCOME-PRE-EXTRAORDINARY> 3,290 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,038 <EPS-BASIC> 1.34 <EPS-DILUTED> 1.31 <YIELD-ACTUAL> 7.63 <LOANS-NON> 13 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,752 <CHARGE-OFFS> 11 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 1,940 <ALLOWANCE-DOMESTIC> 1,940 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0