<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 58,646 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 195,300 <INVESTMENTS-CARRYING> 71,115 <INVESTMENTS-MARKET> 70,486 <LOANS> 1,290,641 <ALLOWANCE> 12,985 <TOTAL-ASSETS> 1,725,205 <DEPOSITS> 1,310,602 <SHORT-TERM> 264,420 <LIABILITIES-OTHER> 16,687 <LONG-TERM> 19,750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,235 <OTHER-SE> 102,511 <TOTAL-LIABILITIES-AND-EQUITY> 1,725,205 <INTEREST-LOAN> 106,733 <INTEREST-INVEST> 17,200 <INTEREST-OTHER> 1,577 <INTEREST-TOTAL> 125,510 <INTEREST-DEPOSIT> 44,106 <INTEREST-EXPENSE> 58,730 <INTEREST-INCOME-NET> 66,780 <LOAN-LOSSES> 2,661 <SECURITIES-GAINS> (912) <EXPENSE-OTHER> 69,480 <INCOME-PRETAX> 11,962 <INCOME-PRE-EXTRAORDINARY> 11,962 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,669 <EPS-BASIC> 0.76 <EPS-DILUTED> 0.75 <YIELD-ACTUAL> 4.47 <LOANS-NON> 2,980 <LOANS-PAST> 2,029 <LOANS-TROUBLED> 270 <LOANS-PROBLEM> 3,400 <ALLOWANCE-OPEN> 11,557 <CHARGE-OFFS> 1,979 <RECOVERIES> 746 <ALLOWANCE-CLOSE> 12,985 <ALLOWANCE-DOMESTIC> 7,201 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 5,784