<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    SEP-30-1999
<CASH>                                               30,222
<INT-BEARING-DEPOSITS>                                1,624
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                         129,621
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             576,142
<ALLOWANCE>                                           7,380
<TOTAL-ASSETS>                                      793,205
<DEPOSITS>                                          632,785
<SHORT-TERM>                                         26,781
<LIABILITIES-OTHER>                                   8,091
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                             905
<COMMON>                                             28,316
<OTHER-SE>                                           56,336
<TOTAL-LIABILITIES-AND-EQUITY>                      793,205
<INTEREST-LOAN>                                      37,486
<INTEREST-INVEST>                                     5,635
<INTEREST-OTHER>                                        475
<INTEREST-TOTAL>                                     43,596
<INTEREST-DEPOSIT>                                   16,226
<INTEREST-EXPENSE>                                   18,532
<INTEREST-INCOME-NET>                                25,064
<LOAN-LOSSES>                                         1,402
<SECURITIES-GAINS>                                       40
<EXPENSE-OTHER>                                       2,974
<INCOME-PRETAX>                                       9,933
<INCOME-PRE-EXTRAORDINARY>                            9,933
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          6,565
<EPS-BASIC>                                             .57
<EPS-DILUTED>                                           .53
<YIELD-ACTUAL>                                         8.44
<LOANS-NON>                                             517
<LOANS-PAST>                                          3,673
<LOANS-TROUBLED>                                        106
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                      6,602
<CHARGE-OFFS>                                           816
<RECOVERIES>                                            192
<ALLOWANCE-CLOSE>                                     7,380
<ALLOWANCE-DOMESTIC>                                  7,380
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                               1,349


</TABLE>