<TABLE> <S> <C>

<ARTICLE>                                                       9
<MULTIPLIER>                                                1,000

<S>                                             <C>
<PERIOD-TYPE>                                               9-Mos
<FISCAL-YEAR-END>                                     Dec-31-1999
<PERIOD-END>                                          Sep-30-1999
<CASH>                                                     15,601
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               109,638
<INVESTMENTS-CARRYING>                                     54,180
<INVESTMENTS-MARKET>                                       53,685
<LOANS>                                                   505,931
<ALLOWANCE>                                                 5,281
<TOTAL-ASSETS>                                            698,555
<DEPOSITS>                                                602,497
<SHORT-TERM>                                               29,205
<LIABILITIES-OTHER>                                         6,810
<LONG-TERM>                                                     0
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 54,646
<TOTAL-LIABILITIES-AND-EQUITY>                            698,555
<INTEREST-LOAN>                                            29,405
<INTEREST-INVEST>                                           6,697
<INTEREST-OTHER>                                              543
<INTEREST-TOTAL>                                           36,645
<INTEREST-DEPOSIT>                                         13,112
<INTEREST-EXPENSE>                                         13,824
<INTEREST-INCOME-NET>                                      22,821
<LOAN-LOSSES>                                                 900
<SECURITIES-GAINS>                                            859
<EXPENSE-OTHER>                                            15,105
<INCOME-PRETAX>                                            11,289
<INCOME-PRE-EXTRAORDINARY>                                 11,289
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                7,469
<EPS-BASIC>                                                1.04
<EPS-DILUTED>                                                1.04
<YIELD-ACTUAL>                                               4.66
<LOANS-NON>                                                   742
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              321
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,645
<CHARGE-OFFS>                                               1,297
<RECOVERIES>                                                   33
<ALLOWANCE-CLOSE>                                           5,281
<ALLOWANCE-DOMESTIC>                                        5,281
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                     1,044


</TABLE>