<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> 16,401 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,140 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,987 <INVESTMENTS-CARRYING> 3,279 <INVESTMENTS-MARKET> 3,279 <LOANS> 524,327 <ALLOWANCE> 10,534 <TOTAL-ASSETS> 596,830 <DEPOSITS> 488,562 <SHORT-TERM> 20,308 <LIABILITIES-OTHER> 10,712 <LONG-TERM> 16,386 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,586 <OTHER-SE> 46,901 <TOTAL-LIABILITIES-AND-EQUITY> 596,830 <INTEREST-LOAN> 38,981 <INTEREST-INVEST> 1,189 <INTEREST-OTHER> 833 <INTEREST-TOTAL> 41,003 <INTEREST-DEPOSIT> 13,822 <INTEREST-EXPENSE> 14,467 <INTEREST-INCOME-NET> 26,536 <LOAN-LOSSES> 1,847 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 17,798 <INCOME-PRETAX> 11,581 <INCOME-PRE-EXTRAORDINARY> 11,581 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,356 <EPS-BASIC> 5.42 <EPS-DILUTED> 5.37 <YIELD-ACTUAL> 6.48 <LOANS-NON> 2,094 <LOANS-PAST> 706 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,190 <ALLOWANCE-OPEN> 10,253 <CHARGE-OFFS> 2,351 <RECOVERIES> 786 <ALLOWANCE-CLOSE> 10,534 <ALLOWANCE-DOMESTIC> 10,534 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0