<TABLE> <S> <C>

<ARTICLE>               9
<LEGEND>
FINANCIAL DATA SCHEDULE - FISCAL YEAR ENDED 1999
This schedule contains summary financial information extracted from the
Form 10-K and is qualified in its entirety by reference to such financial
statements.
</LEGEND>

<S>                                             <C>
<PERIOD-TYPE>                                    12-MOS
<FISCAL-YEAR-END>                                DEC-31-1999
<PERIOD-END>                                     DEC-31-1999
<CASH>                                           18,575
<INT-BEARING-DEPOSITS>                            4,402
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     215,572<F1>
<INVESTMENTS-CARRYING>                           18,017
<INVESTMENTS-MARKET>                             17,232
<LOANS>                                         567,446<F2>
<ALLOWANCE>                                       7,032
<TOTAL-ASSETS>                                  867,677
<DEPOSITS>                                      628,018
<SHORT-TERM>                                     75,042<F3>
<LIABILITIES-OTHER>                               3,685
<LONG-TERM>                                      90,563<F4>
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          6,790
<OTHER-SE>                                       63,579
<TOTAL-LIABILITIES-AND-EQUITY>                  867,677
<INTEREST-LOAN>                                  45,287
<INTEREST-INVEST>                                13,168
<INTEREST-OTHER>                                  1,347
<INTEREST-TOTAL>                                 59,802
<INTEREST-DEPOSIT>                               20,871
<INTEREST-EXPENSE>                               27,896
<INTEREST-INCOME-NET>                            31,906
<LOAN-LOSSES>                                        50
<SECURITIES-GAINS>                                  708
<EXPENSE-OTHER>                                  21,916
<INCOME-PRETAX>                                  15,403
<INCOME-PRE-EXTRAORDINARY>                       10,125
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     10,125
<EPS-BASIC>                                      1.75
<EPS-DILUTED>                                      1.71
<YIELD-ACTUAL>                                     3.94
<LOANS-NON>                                       1,516
<LOANS-PAST>                                          4
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  7,122
<CHARGE-OFFS>                                       559
<RECOVERIES>                                        419
<ALLOWANCE-CLOSE>                                 7,032
<ALLOWANCE-DOMESTIC>                              5,653
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,379
<FN>
<F1>Securities available for sale, at market value
<F2>Loans net of unearned income, gross of allowance for possible loan losses
    and excluding loans held for sale
<F3>Securities sold under agreements to repurchase of $75,042
<F4>Includes other borrowings with the Federal Home Loan Bank of Boston of
    $90,563

</FN>





</TABLE>