<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <EXCHANGE-RATE> 1 <CASH> 32,191 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 183 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 310,449 <INVESTMENTS-CARRYING> 20,786 <INVESTMENTS-MARKET> 20,601 <LOANS> 849,767 <ALLOWANCE> (7,431) <TOTAL-ASSETS> 1,274,206 <DEPOSITS> 799,176 <SHORT-TERM> 188,500 <LIABILITIES-OTHER> 9,424 <LONG-TERM> 152,898 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 66,318 <OTHER-SE> 13,790 <TOTAL-LIABILITIES-AND-EQUITY> 1,274,206 <INTEREST-LOAN> 66,685 <INTEREST-INVEST> 21,390 <INTEREST-OTHER> 39 <INTEREST-TOTAL> 88,114 <INTEREST-DEPOSIT> 31,999 <INTEREST-EXPENSE> 49,647 <INTEREST-INCOME-NET> 38,467 <LOAN-LOSSES> 1,580 <SECURITIES-GAINS> 318 <EXPENSE-OTHER> 29,651 <INCOME-PRETAX> 17,989 <INCOME-PRE-EXTRAORDINARY> 12,304 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 12,304 <EPS-BASIC> 1.58 <EPS-DILUTED> 1.58 <YIELD-ACTUAL> 7.83 <LOANS-NON> 1,312 <LOANS-PAST> 2,244 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,643 <CHARGE-OFFS> (1,570) <RECOVERIES> 778 <ALLOWANCE-CLOSE> 7,431 <ALLOWANCE-DOMESTIC> 7,431 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0