<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          36,400
<INT-BEARING-DEPOSITS>                           1,391
<FED-FUNDS-SOLD>                                     6
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    212,105
<INVESTMENTS-CARRYING>                          78,768
<INVESTMENTS-MARKET>                            78,917
<LOANS>                                        704,096
<ALLOWANCE>                                     11,900
<TOTAL-ASSETS>                               1,088,162
<DEPOSITS>                                     833,258
<SHORT-TERM>                                   127,762
<LIABILITIES-OTHER>                             13,436
<LONG-TERM>                                     10,218
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,992
<OTHER-SE>                                      94,496
<TOTAL-LIABILITIES-AND-EQUITY>               1,088,162
<INTEREST-LOAN>                                 58,036
<INTEREST-INVEST>                               17,571
<INTEREST-OTHER>                                   885
<INTEREST-TOTAL>                                76,492
<INTEREST-DEPOSIT>                              29,137
<INTEREST-EXPENSE>                              32,250
<INTEREST-INCOME-NET>                           44,242
<LOAN-LOSSES>                                    2,893
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 27,457
<INCOME-PRETAX>                                 24,624
<INCOME-PRE-EXTRAORDINARY>                      24,624
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,852
<EPS-BASIC>                                       1.92
<EPS-DILUTED>                                     1.91
<YIELD-ACTUAL>                                    5.03
<LOANS-NON>                                      7,889
<LOANS-PAST>                                     1,259
<LOANS-TROUBLED>                                   505
<LOANS-PROBLEM>                                  9,148
<ALLOWANCE-OPEN>                                11,404
<CHARGE-OFFS>                                    3,007
<RECOVERIES>                                       610
<ALLOWANCE-CLOSE>                               11,900
<ALLOWANCE-DOMESTIC>                            11,900
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,705