<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>
<MULTIPLIER>                                    1,000

<S>                             <C>
<PERIOD-TYPE>                    12-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    DEC-31-1999
<CASH>                                           36,039
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     133,596
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         578,216
<ALLOWANCE>                                       7,400
<TOTAL-ASSETS>                                  812,899
<DEPOSITS>                                      630,379
<SHORT-TERM>                                     59,603
<LIABILITIES-OTHER>                               7,232
<LONG-TERM>                                      29,159
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                         905
<COMMON>                                         28,189
<OTHER-SE>                                       57,432
<TOTAL-LIABILITIES-AND-EQUITY>                  812,899
<INTEREST-LOAN>                                  50,514
<INTEREST-INVEST>                                 7,529
<INTEREST-OTHER>                                    565
<INTEREST-TOTAL>                                 58,608
<INTEREST-DEPOSIT>                               21,933
<INTEREST-EXPENSE>                               25,136
<INTEREST-INCOME-NET>                            33,472
<LOAN-LOSSES>                                     1,996
<SECURITIES-GAINS>                                   40
<EXPENSE-OTHER>                                   4,137
<INCOME-PRETAX>                                  13,392
<INCOME-PRE-EXTRAORDINARY>                       13,392
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      8,886
<EPS-BASIC>                                         .77
<EPS-DILUTED>                                       .73
<YIELD-ACTUAL>                                     8.34
<LOANS-NON>                                       3,981
<LOANS-PAST>                                      2,261
<LOANS-TROUBLED>                                    426
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  6,602
<CHARGE-OFFS>                                     1,464
<RECOVERIES>                                        266
<ALLOWANCE-CLOSE>                                 7,400
<ALLOWANCE-DOMESTIC>                              7,400
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,081


</TABLE>