<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ITS QUARTERLY
FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S DOLLAR

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           3,126
<INT-BEARING-DEPOSITS>                          14,683
<FED-FUNDS-SOLD>                                23,425
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    206,546
<INVESTMENTS-CARRYING>                           4,983
<INVESTMENTS-MARKET>                             5,263
<LOANS>                                        530,832
<ALLOWANCE>                                        895
<TOTAL-ASSETS>                                 804,688
<DEPOSITS>                                     497,632
<SHORT-TERM>                                    20,000
<LIABILITIES-OTHER>                             11,931
<LONG-TERM>                                    218,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            86
<OTHER-SE>                                      57,039
<TOTAL-LIABILITIES-AND-EQUITY>                 804,688
<INTEREST-LOAN>                                 29,190
<INTEREST-INVEST>                                7,615
<INTEREST-OTHER>                                 1,965
<INTEREST-TOTAL>                                38,770
<INTEREST-DEPOSIT>                              17,978
<INTEREST-EXPENSE>                              27,492
<INTEREST-INCOME-NET>                           11,278
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                  45
<EXPENSE-OTHER>                                  4,706
<INCOME-PRETAX>                                  6,923
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,943
<EPS-BASIC>                                       1.21
<EPS-DILUTED>                                     1.16
<YIELD-ACTUAL>                                    2.23
<LOANS-NON>                                        420
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   865
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  895
<ALLOWANCE-DOMESTIC>                               895
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            895