<TABLE> <S> <C>




<ARTICLE> 9

<S>                                                         <C>
<PERIOD-TYPE>                                             9-MOS
<FISCAL-YEAR-END>                                       DEC-31-1999
<PERIOD-END>                                            SEP-30-1999
<CASH>                                                   40,270
<INT-BEARING-DEPOSITS>                                        0
<FED-FUNDS-SOLD>                                            411
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                              28,202
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 446,902
<ALLOWANCE>                                               6,253
<TOTAL-ASSETS>                                          547,612
<DEPOSITS>                                              453,445
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                       4,429
<LONG-TERM>                                              37,145
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 16,619
<OTHER-SE>                                               23,524
<TOTAL-LIABILITIES-AND-EQUITY>                          547,612
<INTEREST-LOAN>                                          29,546
<INTEREST-INVEST>                                           861
<INTEREST-OTHER>                                            303
<INTEREST-TOTAL>                                         30,710
<INTEREST-DEPOSIT>                                       13,386
<INTEREST-EXPENSE>                                       14,822
<INTEREST-INCOME-NET>                                    15,888
<LOAN-LOSSES>                                               639
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                          11,894
<INCOME-PRETAX>                                           5,842
<INCOME-PRE-EXTRAORDINARY>                                5,842
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              4,575
<EPS-BASIC>                                               .65
<EPS-DILUTED>                                               .64
<YIELD-ACTUAL>                                             4.74
<LOANS-NON>                                                 498
<LOANS-PAST>                                              1,467
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                           3,524
<ALLOWANCE-OPEN>                                          6,112
<CHARGE-OFFS>                                               573
<RECOVERIES>                                                 75
<ALLOWANCE-CLOSE>                                         6,253
<ALLOWANCE-DOMESTIC>                                      6,253
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                   2,172




</TABLE>