<ARTICLE>                                      9
<LEGEND>
     * LEGEND:  This schedule contains summary financial information extracted
       from the Form 10-Q filed as of June 30, 1999.

</LEGEND>

                                            
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                         25,710
<INT-BEARING-DEPOSITS>                         1,498
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    350,936
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        600,586
<ALLOWANCE>                                    (10,119)
<TOTAL-ASSETS>                                 1,021,013
<DEPOSITS>                                     693,169
<SHORT-TERM>                                   61,640
<LIABILITIES-OTHER>                            7,303
<LONG-TERM>                                    150,501
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64,984
<OTHER-SE>                                     14,415
<TOTAL-LIABILITIES-AND-EQUITY>                 1,021,013
<INTEREST-LOAN>                                25,440
<INTEREST-INVEST>                              4,833
<INTEREST-OTHER>                               334
<INTEREST-TOTAL>                               33,607
<INTEREST-DEPOSIT>                             12,784
<INTEREST-EXPENSE>                             15,404
<INTEREST-INCOME-NET>                          18,203
<LOAN-LOSSES>                                  984
<SECURITIES-GAINS>                             1
<EXPENSE-OTHER>                                13,320
<INCOME-PRETAX>                                7,564
<INCOME-PRE-EXTRAORDINARY>                     5,179
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5,179
<EPS-BASIC>                                  0.80
<EPS-DILUTED>                                  0.79
<YIELD-ACTUAL>                                 4.45
<LOANS-NON>                                    528
<LOANS-PAST>                                   691
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               9,809
<CHARGE-OFFS>                                  574
<RECOVERIES>                                   200
<ALLOWANCE-CLOSE>                              10,119
<ALLOWANCE-DOMESTIC>                           10,119
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,291