<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THE FINANCIAL DATA SCHEDULE CONTAINS FINANCIAL INFORMATION FROM THE
CORPORATION'S CONSOLIDATED FINANCIAL STATEMENTS CONTAINED IN ITS ANNUAL REPORT
ON FORM 10-K FOR THE PERIOD ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                              24,420
<INT-BEARING-DEPOSITS>                               2,069
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         81,056
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            861,473
<ALLOWANCE>                                          4,714
<TOTAL-ASSETS>                                   1,017,168
<DEPOSITS>                                         711,954
<SHORT-TERM>                                       102,828
<LIABILITIES-OTHER>                                  9,429
<LONG-TERM>                                        115,125
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                65
<OTHER-SE>                                          77,767
<TOTAL-LIABILITIES-AND-EQUITY>                   1,017,168
<INTEREST-LOAN>                                     62,932
<INTEREST-INVEST>                                    4,669
<INTEREST-OTHER>                                     1,377
<INTEREST-TOTAL>                                    68,978
<INTEREST-DEPOSIT>                                  28,667
<INTEREST-EXPENSE>                                  10,215
<INTEREST-INCOME-NET>                               30,096
<LOAN-LOSSES>                                        1,170
<SECURITIES-GAINS>                                      (8)
<EXPENSE-OTHER>                                     20,963
<INCOME-PRETAX>                                     14,646
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         9,508
<EPS-BASIC>                                         1.60
<EPS-DILUTED>                                         1.51
<YIELD-ACTUAL>                                        3.37
<LOANS-NON>                                            887
<LOANS-PAST>                                           425
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,823
<CHARGE-OFFS>                                          544
<RECOVERIES>                                           265
<ALLOWANCE-CLOSE>                                    4,714
<ALLOWANCE-DOMESTIC>                                 3,947
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                767


</TABLE>