<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>                                          25,759
<INT-BEARING-DEPOSITS>                              25
<FED-FUNDS-SOLD>                                 8,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    132,408
<INVESTMENTS-CARRYING>                           1,848
<INVESTMENTS-MARKET>                             1,856
<LOANS>                                        747,538
<ALLOWANCE>                                     12,765
<TOTAL-ASSETS>                                 928,517
<DEPOSITS>                                     718,991
<SHORT-TERM>                                    62,631
<LIABILITIES-OTHER>                              6,759
<LONG-TERM>                                     70,547
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,646
<OTHER-SE>                                      57,943
<TOTAL-LIABILITIES-AND-EQUITY>                 928,517
<INTEREST-LOAN>                                 43,410
<INTEREST-INVEST>                                5,804
<INTEREST-OTHER>                                   472
<INTEREST-TOTAL>                                49,686
<INTEREST-DEPOSIT>                              18,529
<INTEREST-EXPENSE>                              22,489
<INTEREST-INCOME-NET>                           27,197
<LOAN-LOSSES>                                    1,849
<SECURITIES-GAINS>                               4,127
<EXPENSE-OTHER>                                 20,569
<INCOME-PRETAX>                                 17,229
<INCOME-PRE-EXTRAORDINARY>                      17,229
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,246
<EPS-BASIC>                                       1.03
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                      1,595
<LOANS-PAST>                                       147
<LOANS-TROUBLED>                                   183
<LOANS-PROBLEM>                                  3,359
<ALLOWANCE-OPEN>                                11,172
<CHARGE-OFFS>                                      989
<RECOVERIES>                                       733
<ALLOWANCE-CLOSE>                               12,765
<ALLOWANCE-DOMESTIC>                            10,864
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,901