<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

<S>                                                                                  <C>
<PERIOD-TYPE>                                                                               9-MOS
<FISCAL-YEAR-END>                                                                     DEC-31-1999
<PERIOD-START>                                                                        JAN-01-1999
<PERIOD-END>                                                                          SEP-30-1999
<EXCHANGE-RATE>                                                                                 1
<CASH>                                                                                     64,891
<INT-BEARING-DEPOSITS>                                                                    310,829
<FED-FUNDS-SOLD>                                                                            1,929
<TRADING-ASSETS>                                                                                0
<INVESTMENTS-HELD-FOR-SALE>                                                               131,476
<INVESTMENTS-CARRYING>                                                                     21,860
<INVESTMENTS-MARKET>                                                                      153,381
<LOANS>                                                                                   244,050
<ALLOWANCE>                                                                                 3,644
<TOTAL-ASSETS>                                                                            479,872
<DEPOSITS>                                                                                374,987
<SHORT-TERM>                                                                               29,026
<LIABILITIES-OTHER>                                                                         3,759
<LONG-TERM>                                                                                17,865
<COMMON>                                                                                       29
<PREFERRED-MANDATORY>                                                                           0
<PREFERRED>                                                                                     0
<OTHER-SE>                                                                                 58,478
<TOTAL-LIABILITIES-AND-EQUITY>                                                            479,872
<INTEREST-LOAN>                                                                            14,075
<INTEREST-INVEST>                                                                           6,883
<INTEREST-OTHER>                                                                              480
<INTEREST-TOTAL>                                                                           21,438
<INTEREST-DEPOSIT>                                                                          8,868
<INTEREST-EXPENSE>                                                                          9,912
<INTEREST-INCOME-NET>                                                                      11,526
<LOAN-LOSSES>                                                                                 138
<SECURITIES-GAINS>                                                                             53
<EXPENSE-OTHER>                                                                            14,283
<INCOME-PRETAX>                                                                             6,785
<INCOME-PRE-EXTRAORDINARY>                                                                  6,785
<EXTRAORDINARY>                                                                                 0
<CHANGES>                                                                                       0
<NET-INCOME>                                                                                4,702
<EPS-BASIC>                                                                                1.70
<EPS-DILUTED>                                                                                1.69
<YIELD-ACTUAL>                                                                               3.35
<LOANS-NON>                                                                                   156
<LOANS-PAST>                                                                                2,945
<LOANS-TROUBLED>                                                                                0
<LOANS-PROBLEM>                                                                             1,373
<ALLOWANCE-OPEN>                                                                            3,573
<CHARGE-OFFS>                                                                                 153
<RECOVERIES>                                                                                   87
<ALLOWANCE-CLOSE>                                                                           3,644
<ALLOWANCE-DOMESTIC>                                                                        2,779
<ALLOWANCE-FOREIGN>                                                                             0
<ALLOWANCE-UNALLOCATED>                                                                       865


</TABLE>