<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