<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q
DATED OCTOBER 30, 1999 FOR THE PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          26,975
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,361
<INVESTMENTS-CARRYING>                           6,154
<INVESTMENTS-MARKET>                             6,200
<LOANS>                                        518,791
<ALLOWANCE>                                      4,364
<TOTAL-ASSETS>                                 608,144
<DEPOSITS>                                     516,466
<SHORT-TERM>                                    20,268
<LIABILITIES-OTHER>                              3,739
<LONG-TERM>                                     20,593
<PREFERRED-MANDATORY>                           23,000
<PREFERRED>                                          0
<COMMON>                                         1,520
<OTHER-SE>                                      22,808
<TOTAL-LIABILITIES-AND-EQUITY>                 608,144
<INTEREST-LOAN>                                 29,820
<INTEREST-INVEST>                                1,766
<INTEREST-OTHER>                                   546
<INTEREST-TOTAL>                                32,132
<INTEREST-DEPOSIT>                              14,265
<INTEREST-EXPENSE>                              16,384
<INTEREST-INCOME-NET>                           15,748
<LOAN-LOSSES>                                    2,174
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,052
<INCOME-PRETAX>                                  5,275
<INCOME-PRE-EXTRAORDINARY>                       3,450
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,450
<EPS-BASIC>                                       0.46
<EPS-DILUTED>                                     0.46
<YIELD-ACTUAL>                                    4.62
<LOANS-NON>                                        705
<LOANS-PAST>                                       621
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,187
<CHARGE-OFFS>                                       34
<RECOVERIES>                                        37
<ALLOWANCE-CLOSE>                                4,364
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,364