<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          19,050
<INT-BEARING-DEPOSITS>                          20,358
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    147,922
<INVESTMENTS-CARRYING>                          40,703
<INVESTMENTS-MARKET>                            43,636
<LOANS>                                        599,304
<ALLOWANCE>                                      3,750
<TOTAL-ASSETS>                                 867,665
<DEPOSITS>                                     583,200
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                             16,607
<LONG-TERM>                                    130,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,571
<OTHER-SE>                                     116,487
<TOTAL-LIABILITIES-AND-EQUITY>                 867,665
<INTEREST-LOAN>                                 32,858
<INTEREST-INVEST>                                8,148
<INTEREST-OTHER>                                 2,222
<INTEREST-TOTAL>                                43,228
<INTEREST-DEPOSIT>                              16,323
<INTEREST-EXPENSE>                              21,553
<INTEREST-INCOME-NET>                           21,675
<LOAN-LOSSES>                                      710
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,229
<INCOME-PRETAX>                                  6,753
<INCOME-PRE-EXTRAORDINARY>                       4,788
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,788
<EPS-BASIC>                                       0.48
<EPS-DILUTED>                                     0.47
<YIELD-ACTUAL>                                    3.59
<LOANS-NON>                                        524
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    860
<ALLOWANCE-OPEN>                                 3,160
<CHARGE-OFFS>                                     (120)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,750
<ALLOWANCE-DOMESTIC>                             3,750
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0