<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 19,934 <INT-BEARING-DEPOSITS> 220,162 <FED-FUNDS-SOLD> 38,921 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,430 <INVESTMENTS-CARRYING> 42,366 <INVESTMENTS-MARKET> 0 <LOANS> 1,203,785 <ALLOWANCE> 25,137 <TOTAL-ASSETS> 1,676,494 <DEPOSITS> 1,484,270 <SHORT-TERM> 0 <LIABILITIES-OTHER> 43,418 <LONG-TERM> 12,650 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 101 <OTHER-SE> 136,055 <TOTAL-LIABILITIES-AND-EQUITY> 1,676,494 <INTEREST-LOAN> 78,627 <INTEREST-INVEST> 6,469 <INTEREST-OTHER> 12,626 <INTEREST-TOTAL> 97,722 <INTEREST-DEPOSIT> 52,558 <INTEREST-EXPENSE> 53,659 <INTEREST-INCOME-NET> 44,063 <LOAN-LOSSES> 17,665 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 21,940 <INCOME-PRETAX> 18,669 <INCOME-PRE-EXTRAORDINARY> 18,669 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,765 <EPS-BASIC> 1.17 <EPS-DILUTED> 1.14 <YIELD-ACTUAL> 3.21 <LOANS-NON> 13,102 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,794 <CHARGE-OFFS> 5,323 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 25,137 <ALLOWANCE-DOMESTIC> 4,870 <ALLOWANCE-FOREIGN> 20,267 <ALLOWANCE-UNALLOCATED> 25,137