<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. 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>                                          14,714
<INT-BEARING-DEPOSITS>                           3,269
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     76,072
<INVESTMENTS-CARRYING>                          77,391
<INVESTMENTS-MARKET>                            76,072
<LOANS>                                        420,160
<ALLOWANCE>                                    (5,106)
<TOTAL-ASSETS>                                 529,474
<DEPOSITS>                                     377,773
<SHORT-TERM>                                    16,385
<LIABILITIES-OTHER>                              8,042
<LONG-TERM>                                     90,806
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,846
<OTHER-SE>                                      25,622
<TOTAL-LIABILITIES-AND-EQUITY>                 529,474
<INTEREST-LOAN>                                 22,216
<INTEREST-INVEST>                                3,046
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                25,262
<INTEREST-DEPOSIT>                               8,743
<INTEREST-EXPENSE>                              12,477
<INTEREST-INCOME-NET>                           12,785
<LOAN-LOSSES>                                      749
<SECURITIES-GAINS>                                  48
<EXPENSE-OTHER>                                 19,222
<INCOME-PRETAX>                                  6,646
<INCOME-PRE-EXTRAORDINARY>                       6,646
<EXTRAORDINARY>                                    125
<CHANGES>                                            0
<NET-INCOME>                                     4,484
<EPS-BASIC>                                       0.41
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    7.26
<LOANS-NON>                                      1,795
<LOANS-PAST>                                     2,144
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,386
<CHARGE-OFFS>                                      142
<RECOVERIES>                                       113
<ALLOWANCE-CLOSE>                                5,106
<ALLOWANCE-DOMESTIC>                             5,106
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0