<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
</LEGEND>
<CIK>                         0000790183
<NAME>                        Michael B. High
<MULTIPLIER>                                            1000
<CURRENCY>                                              U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                    12-Mos
<FISCAL-YEAR-END>                                       Dec-31-1999
<PERIOD-START>                                          Jan-01-1999
<PERIOD-END>                                            Dec-31-1999
<EXCHANGE-RATE>                                                   1
<CASH>                                                       15,648
<INT-BEARING-DEPOSITS>                                       24,278
<FED-FUNDS-SOLD>                                                  0
<TRADING-ASSETS>                                              3,267
<INVESTMENTS-HELD-FOR-SALE>                                 149,518
<INVESTMENTS-CARRYING>                                       34,309
<INVESTMENTS-MARKET>                                         32,914
<LOANS>                                                     503,665
<ALLOWANCE>                                                   5,927
<TOTAL-ASSETS>                                              765,534
<DEPOSITS>                                                  521,439
<SHORT-TERM>                                                 50,767
<LIABILITIES-OTHER>                                          19,068
<LONG-TERM>                                                 112,000
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                      5,680
<OTHER-SE>                                                   42,129
<TOTAL-LIABILITIES-AND-EQUITY>                              765,534
<INTEREST-LOAN>                                              40,952
<INTEREST-INVEST>                                            10,354
<INTEREST-OTHER>                                                868
<INTEREST-TOTAL>                                             52,174
<INTEREST-DEPOSIT>                                           16,759
<INTEREST-EXPENSE>                                           25,432
<INTEREST-INCOME-NET>                                        26,742
<LOAN-LOSSES>                                                 3,548
<SECURITIES-GAINS>                                            (347)
<EXPENSE-OTHER>                                              33,973
<INCOME-PRETAX>                                              10,214
<INCOME-PRE-EXTRAORDINARY>                                   10,214
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                  6,671
<EPS-BASIC>                                                    1.21
<EPS-DILUTED>                                                  1.15
<YIELD-ACTUAL>                                                 4.24
<LOANS-NON>                                                   5,701
<LOANS-PAST>                                                  2,336
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                              4,490
<CHARGE-OFFS>                                                 2,554
<RECOVERIES>                                                    443
<ALLOWANCE-CLOSE>                                             5,927
<ALLOWANCE-DOMESTIC>                                          5,927
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0



</TABLE>