<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>                                          13,539
<INT-BEARING-DEPOSITS>                             165
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,193
<INVESTMENTS-CARRYING>                         322,571
<INVESTMENTS-MARKET>                           315,619
<LOANS>                                        296,250
<ALLOWANCE>                                      3,804
<TOTAL-ASSETS>                                 740,560
<DEPOSITS>                                     582,448
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              6,161
<LONG-TERM>                                    106,337
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           789
<OTHER-SE>                                      44,824
<TOTAL-LIABILITIES-AND-EQUITY>                 740,560
<INTEREST-LOAN>                                 17,232
<INTEREST-INVEST>                               12,904
<INTEREST-OTHER>                                 4,687
<INTEREST-TOTAL>                                34,824
<INTEREST-DEPOSIT>                              13,326
<INTEREST-EXPENSE>                              18,238
<INTEREST-INCOME-NET>                           16,586
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,634
<INCOME-PRETAX>                                  5,773
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,687
<EPS-BASIC>                                     0.51
<EPS-DILUTED>                                     0.51
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                      3,514
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   420
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,342
<CHARGE-OFFS>                                      191
<RECOVERIES>                                        60
<ALLOWANCE-CLOSE>                                3,804
<ALLOWANCE-DOMESTIC>                             3,804
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,144



</TABLE>