<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          30,995
<INT-BEARING-DEPOSITS>                           1,133
<FED-FUNDS-SOLD>                                     7
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    218,150
<INVESTMENTS-CARRYING>                          80,175
<INVESTMENTS-MARKET>                            81,245
<LOANS>                                        665,642
<ALLOWANCE>                                     11,091
<TOTAL-ASSETS>                               1,048,944
<DEPOSITS>                                     843,519
<SHORT-TERM>                                    41,672
<LIABILITIES-OTHER>                             14,791
<LONG-TERM>                                     10,230
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,992
<OTHER-SE>                                      93,740
<TOTAL-LIABILITIES-AND-EQUITY>               1,048,944
<INTEREST-LOAN>                                 42,675
<INTEREST-INVEST>                               13,218
<INTEREST-OTHER>                                   827
<INTEREST-TOTAL>                                56,720
<INTEREST-DEPOSIT>                              22,092
<INTEREST-EXPENSE>                              24,101
<INTEREST-INCOME-NET>                           32,619
<LOAN-LOSSES>                                    1,340
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 20,084
<INCOME-PRETAX>                                 17,476
<INCOME-PRE-EXTRAORDINARY>                      17,476
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,006
<EPS-BASIC>                                       1.37
<EPS-DILUTED>                                     1.37
<YIELD-ACTUAL>                                    4.99
<LOANS-NON>                                      8,246
<LOANS-PAST>                                       417
<LOANS-TROUBLED>                                   458
<LOANS-PROBLEM>                                  8,663
<ALLOWANCE-OPEN>                                11,404
<CHARGE-OFFS>                                    2,147
<RECOVERIES>                                       495
<ALLOWANCE-CLOSE>                               11,091
<ALLOWANCE-DOMESTIC>                             1,909
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,182