<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          50,216
<INT-BEARING-DEPOSITS>                           1,560
<FED-FUNDS-SOLD>                                10,010
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    178,614
<INVESTMENTS-CARRYING>                          35,689
<INVESTMENTS-MARKET>                            33,797
<LOANS>                                        653,025
<ALLOWANCE>                                      6,964
<TOTAL-ASSETS>                                 976,411
<DEPOSITS>                                     696,546
<SHORT-TERM>                                    57,731
<LIABILITIES-OTHER>                              5,360
<LONG-TERM>                                     97,652
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        19,800
<OTHER-SE>                                      99,322
<TOTAL-LIABILITIES-AND-EQUITY>                 976,411
<INTEREST-LOAN>                                 54,373
<INTEREST-INVEST>                               13,268
<INTEREST-OTHER>                                 1,077
<INTEREST-TOTAL>                                68,718
<INTEREST-DEPOSIT>                              21,287
<INTEREST-EXPENSE>                              27,684
<INTEREST-INCOME-NET>                           41,034
<LOAN-LOSSES>                                    1,200
<SECURITIES-GAINS>                                 170
<EXPENSE-OTHER>                                 23,548
<INCOME-PRETAX>                                 24,819
<INCOME-PRE-EXTRAORDINARY>                      17,018
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,018
<EPS-BASIC>                                       1.40
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                    7.97
<LOANS-NON>                                      2,162
<LOANS-PAST>                                     2,554
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 11,630
<ALLOWANCE-OPEN>                                 6,883
<CHARGE-OFFS>                                    1,507
<RECOVERIES>                                       352
<ALLOWANCE-CLOSE>                                6,964
<ALLOWANCE-DOMESTIC>                             4,640
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,324