<TABLE> <S> <C>

<ARTICLE>                                                      9

<S>                                                  <C>
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-END>                                         SEP-30-1999
<PERIOD-TYPE>                                              9-MOS
<CASH>                                                43,843,427
<INT-BEARING-DEPOSITS>                                   179,980
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                          262,900,876
<INVESTMENTS-CARRYING>                                13,353,395
<INVESTMENTS-MARKET>                                  12,291,707
<LOANS>                                              862,152,996
<ALLOWANCE>                                           10,295,579
<TOTAL-ASSETS>                                     1,223,777,463
<DEPOSITS>                                           954,132,257
<SHORT-TERM>                                           1,864,531
<LIABILITIES-OTHER>                                   10,739,045
<LONG-TERM>                                           88,687,080
<COMMON>                                              53,450,418
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<OTHER-SE>                                            35,008,372
<TOTAL-LIABILITIES-AND-EQUITY>                     1,223,777,463
<INTEREST-LOAN>                                       55,852,355
<INTEREST-INVEST>                                     12,235,922
<INTEREST-OTHER>                                         221,126
<INTEREST-TOTAL>                                      68,309,403
<INTEREST-DEPOSIT>                                    23,346,869
<INTEREST-EXPENSE>                                    28,557,407
<INTEREST-INCOME-NET>                                 39,751,996
<LOAN-LOSSES>                                          1,227,250
<SECURITIES-GAINS>                                        83,436
<EXPENSE-OTHER>                                       31,260,675
<INCOME-PRETAX>                                       16,185,869
<INCOME-PRE-EXTRAORDINARY>                            16,185,869
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                          10,332,582
<EPS-BASIC>                                               1.29
<EPS-DILUTED>                                               1.25
<YIELD-ACTUAL>                                              4.81
<LOANS-NON>                                            2,982,765
<LOANS-PAST>                                              55,434
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                       9,546,139
<CHARGE-OFFS>                                            919,111
<RECOVERIES>                                             441,301
<ALLOWANCE-CLOSE>                                     10,295,579
<ALLOWANCE-DOMESTIC>                                   9,795,579
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                  500,000





</TABLE>