<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>                                                                   13,631
<INT-BEARING-DEPOSITS>                                                    1,131
<FED-FUNDS-SOLD>                                                         36,501
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              49,782
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                 477,839
<ALLOWANCE>                                                               6,006
<TOTAL-ASSETS>                                                          593,672
<DEPOSITS>                                                              462,915
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                       4,669
<LONG-TERM>                                                              78,763
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  2,669
<OTHER-SE>                                                               44,656
<TOTAL-LIABILITIES-AND-EQUITY>                                          593,672
<INTEREST-LOAN>                                                          28,763
<INTEREST-INVEST>                                                         4,126
<INTEREST-OTHER>                                                            526
<INTEREST-TOTAL>                                                         33,415
<INTEREST-DEPOSIT>                                                       14,376
<INTEREST-EXPENSE>                                                       16,361
<INTEREST-INCOME-NET>                                                    17,054
<LOAN-LOSSES>                                                             1,894
<SECURITIES-GAINS>                                                       (2,166)
<EXPENSE-OTHER>                                                          10,555
<INCOME-PRETAX>                                                           4,470
<INCOME-PRE-EXTRAORDINARY>                                                4,470
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              3,026
<EPS-BASIC>                                                                0.57
<EPS-DILUTED>                                                              0.56
<YIELD-ACTUAL>                                                             4.22
<LOANS-NON>                                                               1,285
<LOANS-PAST>                                                                663
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                           1,948
<ALLOWANCE-OPEN>                                                          4,676
<CHARGE-OFFS>                                                               775
<RECOVERIES>                                                                211
<ALLOWANCE-CLOSE>                                                         6,006
<ALLOWANCE-DOMESTIC>                                                      6,006
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0