<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          32,595
<INT-BEARING-DEPOSITS>                           3,092
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    119,015
<INVESTMENTS-CARRYING>                         286,589
<INVESTMENTS-MARKET>                           292,561
<LOANS>                                        831,972
<ALLOWANCE>                                      7,438
<TOTAL-ASSETS>                               1,355,544
<DEPOSITS>                                   1,098,113
<SHORT-TERM>                                   119,512
<LIABILITIES-OTHER>                             12,204
<LONG-TERM>                                      5,575
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,381
<OTHER-SE>                                     112,759
<TOTAL-LIABILITIES-AND-EQUITY>               1,355,544
<INTEREST-LOAN>                                 49,215
<INTEREST-INVEST>                               19,255
<INTEREST-OTHER>                                   986
<INTEREST-TOTAL>                                69,456
<INTEREST-DEPOSIT>                              30,443
<INTEREST-EXPENSE>                              33,550
<INTEREST-INCOME-NET>                           35,906
<LOAN-LOSSES>                                      923
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 31,844
<INCOME-PRETAX>                                 13,774
<INCOME-PRE-EXTRAORDINARY>                      13,774
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,474
<EPS-BASIC>                                       1.37
<EPS-DILUTED>                                     1.35
<YIELD-ACTUAL>                                    7.50
<LOANS-NON>                                      1,090
<LOANS-PAST>                                     4,013
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,135
<CHARGE-OFFS>                                    1,248
<RECOVERIES>                                       628
<ALLOWANCE-CLOSE>                                7,438
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,438