<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-1-1999 <PERIOD-END> SEP-30-1999 <CASH> 13,231 <INT-BEARING-DEPOSITS> 71,445 <FED-FUNDS-SOLD> 13,008 <TRADING-ASSETS> 42,214 <INVESTMENTS-HELD-FOR-SALE> 44,350 <INVESTMENTS-CARRYING> 6 <INVESTMENTS-MARKET> 6 <LOANS> 344,366 <ALLOWANCE> 3,320 <TOTAL-ASSETS> 564,474 <DEPOSITS> 430,832 <SHORT-TERM> 59,257 <LIABILITIES-OTHER> 18,522 <LONG-TERM> 1,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 66 <OTHER-SE> 1,135 <TOTAL-LIABILITIES-AND-EQUITY> 564,474 <INTEREST-LOAN> 29,437 <INTEREST-INVEST> 54 <INTEREST-OTHER> 4,967 <INTEREST-TOTAL> 34,458 <INTEREST-DEPOSIT> 15,856 <INTEREST-EXPENSE> 18,504 <INTEREST-INCOME-NET> 15,954 <LOAN-LOSSES> 2,638 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,226 <INCOME-PRETAX> 6,210 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,481 <EPS-BASIC> 0.53 <EPS-DILUTED> 0.52 <YIELD-ACTUAL> 4.04 <LOANS-NON> 9,066 <LOANS-PAST> 2,303 <LOANS-TROUBLED> 9,066 <LOANS-PROBLEM> 3,030 <ALLOWANCE-OPEN> 2,777 <CHARGE-OFFS> 2,441 <RECOVERIES> 362 <ALLOWANCE-CLOSE> 3,320 <ALLOWANCE-DOMESTIC> 3,320 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0