<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-K
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          31,881
<INT-BEARING-DEPOSITS>                             274
<FED-FUNDS-SOLD>                                 2,541
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     68,743
<INVESTMENTS-CARRYING>                          16,245
<INVESTMENTS-MARKET>                            16,305
<LOANS>                                      1,048,768
<ALLOWANCE>                                     10,654
<TOTAL-ASSETS>                               1,253,653
<DEPOSITS>                                     770,049
<SHORT-TERM>                                   218,500
<LIABILITIES-OTHER>                             10,345
<LONG-TERM>                                    169,055
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            68
<OTHER-SE>                                      85,638
<TOTAL-LIABILITIES-AND-EQUITY>               1,253,653
<INTEREST-LOAN>                                 73,096
<INTEREST-INVEST>                                7,640
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                80,736
<INTEREST-DEPOSIT>                              25,872
<INTEREST-EXPENSE>                              47,208
<INTEREST-INCOME-NET>                           33,528
<LOAN-LOSSES>                                    1,626
<SECURITIES-GAINS>                                (28)
<EXPENSE-OTHER>                                 25,300
<INCOME-PRETAX>                                 13,513
<INCOME-PRE-EXTRAORDINARY>                      13,513
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,568
<EPS-BASIC>                                       1.78
<EPS-DILUTED>                                     1.71
<YIELD-ACTUAL>                                    2.97
<LOANS-NON>                                        746
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   210
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,670
<CHARGE-OFFS>                                       56
<RECOVERIES>                                       414
<ALLOWANCE-CLOSE>                               10,654
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,654