<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           4,678
<INT-BEARING-DEPOSITS>                          16,691
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    339,599
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        145,561
<ALLOWANCE>                                      1,193
<TOTAL-ASSETS>                                 543,916
<DEPOSITS>                                     279,061
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            186,804
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           900
<OTHER-SE>                                      77,151
<TOTAL-LIABILITIES-AND-EQUITY>                 543,916
<INTEREST-LOAN>                                  8,413
<INTEREST-INVEST>                               16,592
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                25,005
<INTEREST-DEPOSIT>                               8,611
<INTEREST-EXPENSE>                              14,155
<INTEREST-INCOME-NET>                           10,850
<LOAN-LOSSES>                                      195
<SECURITIES-GAINS>                                 235
<EXPENSE-OTHER>                                  6,264
<INCOME-PRETAX>                                  5,085
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,904
<EPS-BASIC>                                      .53
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    6.89
<LOANS-NON>                                        299
<LOANS-PAST>                                       299
<LOANS-TROUBLED>                                   138
<LOANS-PROBLEM>                                  2,035
<ALLOWANCE-OPEN>                                 1,036
<CHARGE-OFFS>                                      (27)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,193
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>