<ARTICLE> 9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM *SEPTEMBER
30, 1999 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<MULTIPLIER> 1,000


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                                                 DEC-31-1999
<PERIOD-START>                                                    JAN-01-1999
<PERIOD-END>                                                      SEP-30-1999
<CASH>                                                                  11151
<INT-BEARING-DEPOSITS>                                                      0
<FED-FUNDS-SOLD>                                                         3800
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                             68085
<INVESTMENTS-CARRYING>                                                  54119
<INVESTMENTS-MARKET>                                                    53902
<LOANS>                                                                434805
<ALLOWANCE>                                                            (3392)
<TOTAL-ASSETS>                                                         598074
<DEPOSITS>                                                             466835
<SHORT-TERM>                                                            39336
<LIABILITIES-OTHER>                                                      4031
<LONG-TERM>                                                             47535
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                 2427
<OTHER-SE>                                                              37910
<TOTAL-LIABILITIES-AND-EQUITY>                                         598074
<INTEREST-LOAN>                                                         24643
<INTEREST-INVEST>                                                        5206
<INTEREST-OTHER>                                                          399
<INTEREST-TOTAL>                                                        30248
<INTEREST-DEPOSIT>                                                      11878
<INTEREST-EXPENSE>                                                      15090
<INTEREST-INCOME-NET>                                                   15158
<LOAN-LOSSES>                                                            1100
<SECURITIES-GAINS>                                                         18
<EXPENSE-OTHER>                                                         11395
<INCOME-PRETAX>                                                          5358
<INCOME-PRE-EXTRAORDINARY>                                                  0
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                             3546
<EPS-BASIC>                                                            1.48
<EPS-DILUTED>                                                            1.47
<YIELD-ACTUAL>                                                           3.72
<LOANS-NON>                                                              4084
<LOANS-PAST>                                                              416
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                         3815
<CHARGE-OFFS>                                                            1639
<RECOVERIES>                                                              116
<ALLOWANCE-CLOSE>                                                        3392
<ALLOWANCE-DOMESTIC>                                                     3392
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0