<TABLE> <S> <C>


<ARTICLE>  9
<LEGEND>

This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated Condensed Statements of Condition at September 30, 1999 (unaudited)
and the  Consolidated  Condensed  Statements of  Operations  for the nine months
ended  September  30,  1999  (unaudited)  and is  qualified  in its  entirety by
reference to such financial statements.

</LEGEND>
<MULTIPLIER> 1,000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                               9,510
<INT-BEARING-DEPOSITS>                                 294
<FED-FUNDS-SOLD>                                     9,625
<TRADING-ASSETS>                                       218
<INVESTMENTS-HELD-FOR-SALE>                        212,491
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            315,551
<ALLOWANCE>                                         (5,610)
<TOTAL-ASSETS>                                     562,547
<DEPOSITS>                                         345,120
<SHORT-TERM>                                        29,645
<LIABILITIES-OTHER>                                  5,743
<LONG-TERM>                                        137,830
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             5,811
<OTHER-SE>                                          38,398
<TOTAL-LIABILITIES-AND-EQUITY>                     562,547
<INTEREST-LOAN>                                     17,987
<INTEREST-INVEST>                                   10,051
<INTEREST-OTHER>                                       349
<INTEREST-TOTAL>                                    28,387
<INTEREST-DEPOSIT>                                   8,668
<INTEREST-EXPENSE>                                  14,107
<INTEREST-INCOME-NET>                               14,280
<LOAN-LOSSES>                                          222
<SECURITIES-GAINS>                                     492
<EXPENSE-OTHER>                                      8,982
<INCOME-PRETAX>                                      8,030
<INCOME-PRE-EXTRAORDINARY>                           8,030
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         5,763
<EPS-BASIC>                                           1.11
<EPS-DILUTED>                                         1.04
<YIELD-ACTUAL>                                        3.64
<LOANS-NON>                                          1,685
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      4,834
<ALLOWANCE-OPEN>                                     5,549
<CHARGE-OFFS>                                          240
<RECOVERIES>                                            79
<ALLOWANCE-CLOSE>                                    5,610
<ALLOWANCE-DOMESTIC>                                 4,361
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,249



</TABLE>