<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10K
FINANCIAL STATEMENTS DATED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH 10K FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          26,913
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,494
<INVESTMENTS-CARRYING>                          63,752
<INVESTMENTS-MARKET>                            62,557
<LOANS>                                      1,133,101
<ALLOWANCE>                                     11,384
<TOTAL-ASSETS>                               1,491,054
<DEPOSITS>                                     968,533
<SHORT-TERM>                                    73,662
<LIABILITIES-OTHER>                             12,874
<LONG-TERM>                                    305,722
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           653
<OTHER-SE>                                     129,610
<TOTAL-LIABILITIES-AND-EQUITY>               1,491,054
<INTEREST-LOAN>                                 80,252
<INTEREST-INVEST>                               19,758
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               100,010
<INTEREST-DEPOSIT>                              34,341
<INTEREST-EXPENSE>                              52,701
<INTEREST-INCOME-NET>                           47,309
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                               (368)
<EXPENSE-OTHER>                                 21,977
<INCOME-PRETAX>                                 29,172
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    18,885
<EPS-BASIC>                                       2.89
<EPS-DILUTED>                                     2.82
<YIELD-ACTUAL>                                    3.37
<LOANS-NON>                                      2,456
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   413
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,486
<CHARGE-OFFS>                                      748
<RECOVERIES>                                     1,246
<ALLOWANCE-CLOSE>                               11,384
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>