<ARTICLE>                     9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                              31,224
<INT-BEARING-DEPOSITS>                                   0
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<ALLOWANCE>                                          7,031
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<DEPOSITS>                                       1,076,018
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<LIABILITIES-OTHER>                                 57,298
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<OTHER-SE>                                               0
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<INTEREST-INVEST>                                        0
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<INTEREST-DEPOSIT>                                  43,937
<INTEREST-EXPENSE>                                  30,283
<INTEREST-INCOME-NET>                               68,903
<LOAN-LOSSES>                                       (2,400)
<SECURITIES-GAINS>                                      91
<EXPENSE-OTHER>                                     18,958
<INCOME-PRETAX>                                     52,436
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<CHANGES>                                                0
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<YIELD-ACTUAL>                                        0.08
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<LOANS-TROUBLED>                                         0
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<CHARGE-OFFS>                                            0
<RECOVERIES>                                        (2,400)
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<ALLOWANCE-DOMESTIC>                                 7,031
<ALLOWANCE-FOREIGN>                                      0
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