<TABLE> <S> <C>


<ARTICLE>                                                               9
<MULTIPLIER>                                                        1,000

<S>                                                                   <C>
<PERIOD-TYPE>                                                       9-MOS
<FISCAL-YEAR-END>                                             DEC-31-1999
<PERIOD-START>                                                JAN-01-1999
<PERIOD-END>                                                  SEP-30-1999
<CASH>                                                              4,617
<INT-BEARING-DEPOSITS>                                              4,415
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        63,997
<INVESTMENTS-CARRYING>                                             21,218
<INVESTMENTS-MARKET>                                               20,996
<LOANS>                                                           677,203
<ALLOWANCE>                                                         3,154
<TOTAL-ASSETS>                                                    805,504
<DEPOSITS>                                                        595,853
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                 6,440
<LONG-TERM>                                                       104,722
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                              914
<OTHER-SE>                                                         97,575
<TOTAL-LIABILITIES-AND-EQUITY>                                    805,504
<INTEREST-LOAN>                                                    38,284
<INTEREST-INVEST>                                                   3,638
<INTEREST-OTHER>                                                      907
<INTEREST-TOTAL>                                                   42,829
<INTEREST-DEPOSIT>                                                 20,007
<INTEREST-EXPENSE>                                                 23,877
<INTEREST-INCOME-NET>                                              18,952
<LOAN-LOSSES>                                                         225
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                    15,122
<INCOME-PRETAX>                                                     5,005
<INCOME-PRE-EXTRAORDINARY>                                          2,840
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                        2,840
<EPS-BASIC>                                                         .32
<EPS-DILUTED>                                                         .31
<YIELD-ACTUAL>                                                       3.24
<LOANS-NON>                                                         2,028
<LOANS-PAST>                                                          955
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                    2,960
<CHARGE-OFFS>                                                          34
<RECOVERIES>                                                            3
<ALLOWANCE-CLOSE>                                                   3,154
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                             3,154



</TABLE>