<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 17,043 <INT-BEARING-DEPOSITS> 14 <FED-FUNDS-SOLD> 3,853 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 520,030 <INVESTMENTS-CARRYING> 5,000 <INVESTMENTS-MARKET> 0 <LOANS> 633,530 <ALLOWANCE> (6,779) <TOTAL-ASSETS> 1,224,912 <DEPOSITS> 911,328 <SHORT-TERM> 67,071 <LIABILITIES-OTHER> 6,990 <LONG-TERM> 148,653 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,561 <OTHER-SE> 86,309 <TOTAL-LIABILITIES-AND-EQUITY> 1,224,912 <INTEREST-LOAN> 45,042 <INTEREST-INVEST> 32,476 <INTEREST-OTHER> 331 <INTEREST-TOTAL> 77,849 <INTEREST-DEPOSIT> 32,751 <INTEREST-EXPENSE> 43,109 <INTEREST-INCOME-NET> 34,740 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 1,522 <EXPENSE-OTHER> 19,301 <INCOME-PRETAX> 19,641 <INCOME-PRE-EXTRAORDINARY> 19,641 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 12,651 <EPS-BASIC> 1.51 <EPS-DILUTED> 1.44 <YIELD-ACTUAL> 6.78 <LOANS-NON> 2,500 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,876 <CHARGE-OFFS> 164 <RECOVERIES> 67 <ALLOWANCE-CLOSE> 6,779 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0