<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 42989 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 190997 <INVESTMENTS-CARRYING> 108686 <INVESTMENTS-MARKET> 108147 <LOANS> 1233725 <ALLOWANCE> 12607 <TOTAL-ASSETS> 1688427 <DEPOSITS> 1292968 <SHORT-TERM> 230568 <LIABILITIES-OTHER> 27725 <LONG-TERM> 19750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11477 <OTHER-SE> 105939 <TOTAL-LIABILITIES-AND-EQUITY> 1688427 <INTEREST-LOAN> 79237 <INTEREST-INVEST> 13024 <INTEREST-OTHER> 1176 <INTEREST-TOTAL> 93437 <INTEREST-DEPOSIT> 32593 <INTEREST-EXPENSE> 43570 <INTEREST-INCOME-NET> 49867 <LOAN-LOSSES> 1966 <SECURITIES-GAINS> (93) <EXPENSE-OTHER> 53684 <INCOME-PRETAX> 8081 <INCOME-PRE-EXTRAORDINARY> 8081 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5593 <EPS-BASIC> 0.49 <EPS-DILUTED> 0.49 <YIELD-ACTUAL> 4.46 <LOANS-NON> 2994 <LOANS-PAST> 1858 <LOANS-TROUBLED> 274 <LOANS-PROBLEM> 3400 <ALLOWANCE-OPEN> 11557 <CHARGE-OFFS> 1536 <RECOVERIES> 620 <ALLOWANCE-CLOSE> 12607 <ALLOWANCE-DOMESTIC> 5066 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7541