<TABLE> <S> <C>

<ARTICLE>                                                       9
<MULTIPLIER>                                                1,000

<S>                                             <C>
<PERIOD-TYPE>                                              12-Mos
<FISCAL-YEAR-END>                                     Dec-31-1999
<PERIOD-END>                                          Dec-31-1999
<CASH>                                                     17,669
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               107,349
<INVESTMENTS-CARRYING>                                     54,540
<INVESTMENTS-MARKET>                                       53,784
<LOANS>                                                   511,976
<ALLOWANCE>                                                 5,476
<TOTAL-ASSETS>                                            706,125
<DEPOSITS>                                                598,992
<SHORT-TERM>                                               30,406
<LIABILITIES-OTHER>                                         5,451
<LONG-TERM>                                                13,000
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 52,879
<TOTAL-LIABILITIES-AND-EQUITY>                            706,125
<INTEREST-LOAN>                                            39,521
<INTEREST-INVEST>                                           9,184
<INTEREST-OTHER>                                              596
<INTEREST-TOTAL>                                           49,301
<INTEREST-DEPOSIT>                                         17,700
<INTEREST-EXPENSE>                                         18,783
<INTEREST-INCOME-NET>                                      30,518
<LOAN-LOSSES>                                               1,200
<SECURITIES-GAINS>                                            859
<EXPENSE-OTHER>                                            20,063
<INCOME-PRETAX>                                            14,594
<INCOME-PRE-EXTRAORDINARY>                                 14,594
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                9,635
<EPS-BASIC>                                                  1.37
<EPS-DILUTED>                                                1.36
<YIELD-ACTUAL>                                               4.64
<LOANS-NON>                                                 1,115
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              222
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,645
<CHARGE-OFFS>                                               1,413
<RECOVERIES>                                                   44
<ALLOWANCE-CLOSE>                                           5,476
<ALLOWANCE-DOMESTIC>                                        5,476
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                     2,488


</TABLE>