<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