<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          29,392
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     7
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    302,657
<INVESTMENTS-CARRYING>                          21,916
<INVESTMENTS-MARKET>                            21,869
<LOANS>                                        830,238
<ALLOWANCE>                                    (7,158)
<TOTAL-ASSETS>                               1,235,885
<DEPOSITS>                                     789,274
<SHORT-TERM>                                    28,000
<LIABILITIES-OTHER>                              4,757
<LONG-TERM>                                    330,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        66,276
<OTHER-SE>                                      17,328
<TOTAL-LIABILITIES-AND-EQUITY>               1,235,885
<INTEREST-LOAN>                                 49,317
<INTEREST-INVEST>                               15,816
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                65,160
<INTEREST-DEPOSIT>                              23,891
<INTEREST-EXPENSE>                              36,429
<INTEREST-INCOME-NET>                           28,731
<LOAN-LOSSES>                                    1,130
<SECURITIES-GAINS>                                 296
<EXPENSE-OTHER>                                 21,956
<INCOME-PRETAX>                                 13,243
<INCOME-PRE-EXTRAORDINARY>                       9,084
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,084
<EPS-BASIC>                                       1.16
<EPS-DILUTED>                                     1.16
<YIELD-ACTUAL>                                    7.81
<LOANS-NON>                                      1,753
<LOANS-PAST>                                     1,895
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,643
<CHARGE-OFFS>                                  (1,168)
<RECOVERIES>                                       553
<ALLOWANCE-CLOSE>                                7,158
<ALLOWANCE-DOMESTIC>                             7,158
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0