<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT SEPTEMBER 30, 1999 AND DECEMBER 31, 1998 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND NIN MONTHS ENDED
SEPTEMBER 30, 1999 AND 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                            2595
<INT-BEARING-DEPOSITS>                            3935
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     184039
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         461337
<ALLOWANCE>                                       3233
<TOTAL-ASSETS>                                  687528
<DEPOSITS>                                      404555
<SHORT-TERM>                                     40500
<LIABILITIES-OTHER>                               5326
<LONG-TERM>                                     171400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                       65747
<TOTAL-LIABILITIES-AND-EQUITY>                  687528
<INTEREST-LOAN>                                  26170
<INTEREST-INVEST>                                 8460
<INTEREST-OTHER>                                   468
<INTEREST-TOTAL>                                 35098
<INTEREST-DEPOSIT>                               13567
<INTEREST-EXPENSE>                               21524
<INTEREST-INCOME-NET>                            13574
<LOAN-LOSSES>                                      195
<SECURITIES-GAINS>                                 148
<EXPENSE-OTHER>                                   8896
<INCOME-PRETAX>                                   7823
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4813
<EPS-BASIC>                                       1.09
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    2.75
<LOANS-NON>                                        304
<LOANS-PAST>                                       198
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    123
<ALLOWANCE-OPEN>                                  3041
<CHARGE-OFFS>                                      (4)
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                 3233
<ALLOWANCE-DOMESTIC>                              1489
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1744


</TABLE>