<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                                  <C>             <C>
<PERIOD-TYPE>                        3-MOS           9-MOS
<FISCAL-YEAR-END>                    DEC-31-1999     DEC-31-1999
<PERIOD-START>                       JUL-01-1999     JAN-01-1999
<PERIOD-END>                         SEP-30-1999     SEP-30-1999
<CASH>                                    34,555          34,555
<INT-BEARING-DEPOSITS>                       488             488
<FED-FUNDS-SOLD>                          52,300          52,300
<TRADING-ASSETS>                               0               0
<INVESTMENTS-HELD-FOR-SALE>              404,167         404,167
<INVESTMENTS-CARRYING>                   195,746         195,746
<INVESTMENTS-MARKET>                     191,585         191,585
<LOANS>                                  885,380         885,380
<ALLOWANCE>                               10,181          10,181
<TOTAL-ASSETS>                         1,629,349       1,629,349
<DEPOSITS>                             1,152,834       1,152,834
<SHORT-TERM>                             112,355         112,355
<LIABILITIES-OTHER>                       15,371          15,371
<LONG-TERM>                              232,364         232,364
<PREFERRED-MANDATORY>                          0               0
<PREFERRED>                                    0               0
<COMMON>                                     164             164
<OTHER-SE>                                96,124          96,124
<TOTAL-LIABILITIES-AND-EQUITY>         1,629,349       1,629,349
<INTEREST-LOAN>                           17,831          49,826
<INTEREST-INVEST>                         10,224          26,422
<INTEREST-OTHER>                             274           1,002
<INTEREST-TOTAL>                          28,329          77,250
<INTEREST-DEPOSIT>                         9,268          26,759
<INTEREST-EXPENSE>                        14,025          38,645
<INTEREST-INCOME-NET>                     14,304          38,605
<LOAN-LOSSES>                                700           1,610
<SECURITIES-GAINS>                             0             527
<EXPENSE-OTHER>                            7,742          21,997
<INCOME-PRETAX>                            7,073          18,959
<INCOME-PRE-EXTRAORDINARY>                 7,073          18,959
<EXTRAORDINARY>                                0               0
<CHANGES>                                      0               0
<NET-INCOME>                               4,428          11,886
<EPS-BASIC>                               0.28            0.75
<EPS-DILUTED>                               0.27            0.72
<YIELD-ACTUAL>                              3.80            3.61
<LOANS-NON>                                1,917           1,917
<LOANS-PAST>                               3,639           3,639
<LOANS-TROUBLED>                             596             596
<LOANS-PROBLEM>                              429             429
<ALLOWANCE-OPEN>                           9,633           8,889
<CHARGE-OFFS>                                167             372
<RECOVERIES>                                  15              54
<ALLOWANCE-CLOSE>                         10,181          10,181
<ALLOWANCE-DOMESTIC>                      10,181          10,181
<ALLOWANCE-FOREIGN>                            0               0
<ALLOWANCE-UNALLOCATED>                        0               0



</TABLE>