<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 3RD
QUARTER 10-Q 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>                                           3,747
<INT-BEARING-DEPOSITS>                           5,862
<FED-FUNDS-SOLD>                                    30
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    572,433
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        378,040
<ALLOWANCE>                                      4,784
<TOTAL-ASSETS>                               1,023,310
<DEPOSITS>                                     422,104
<SHORT-TERM>                                   129,491
<LIABILITIES-OTHER>                             33,268
<LONG-TERM>                                    385,509
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            63
<OTHER-SE>                                      52,875
<TOTAL-LIABILITIES-AND-EQUITY>               1,023,310
<INTEREST-LOAN>                                 21,084
<INTEREST-INVEST>                               25,597
<INTEREST-OTHER>                                 1,108
<INTEREST-TOTAL>                                47,789
<INTEREST-DEPOSIT>                              13,012
<INTEREST-EXPENSE>                              35,744
<INTEREST-INCOME-NET>                           12,045
<LOAN-LOSSES>                                        9
<SECURITIES-GAINS>                                 401
<EXPENSE-OTHER>                                  9,040
<INCOME-PRETAX>                                  5,215
<INCOME-PRE-EXTRAORDINARY>                       5,215
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,330
<EPS-BASIC>                                       0.87
<EPS-DILUTED>                                     0.64
<YIELD-ACTUAL>                                    6.69
<LOANS-NON>                                      5,817
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,823
<CHARGE-OFFS>                                       44
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                4,784
<ALLOWANCE-DOMESTIC>                             4,784
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0