<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

                                                                     
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    DEC-31-1999
<PERIOD-START>                                                       JAN-01-1999
<PERIOD-END>                                                         DEC-31-1999
<CASH>                                                                    16,707
<INT-BEARING-DEPOSITS>                                                       247
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                6,748
<INVESTMENTS-CARRYING>                                                    22,808
<INVESTMENTS-MARKET>                                                      22,270
<LOANS>                                                                  726,225
<ALLOWANCE>                                                                1,863
<TOTAL-ASSETS>                                                           813,482
<DEPOSITS>                                                               461,787
<SHORT-TERM>                                                             117,500
<LIABILITIES-OTHER>                                                        9,961
<LONG-TERM>                                                              161,625
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   5,752
<OTHER-SE>                                                                56,857
<TOTAL-LIABILITIES-AND-EQUITY>                                           813,482
<INTEREST-LOAN>                                                           47,904
<INTEREST-INVEST>                                                          1,655
<INTEREST-OTHER>                                                           1,534
<INTEREST-TOTAL>                                                          51,093
<INTEREST-DEPOSIT>                                                        19,119
<INTEREST-EXPENSE>                                                        29,907
<INTEREST-INCOME-NET>                                                     21,186
<LOAN-LOSSES>                                                                247
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                           17,113
<INCOME-PRETAX>                                                            9,016
<INCOME-PRE-EXTRAORDINARY>                                                 5,940
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               5,940
<EPS-BASIC>                                                                 1.04
<EPS-DILUTED>                                                               1.02
<YIELD-ACTUAL>                                                              2.73
<LOANS-NON>                                                                2,550
<LOANS-PAST>                                                               1,425
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,783
<CHARGE-OFFS>                                                                173
<RECOVERIES>                                                                   6
<ALLOWANCE-CLOSE>                                                          1,863
<ALLOWANCE-DOMESTIC>                                                       1,863
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0