<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 16224 <INT-BEARING-DEPOSITS> 6668 <FED-FUNDS-SOLD> 15143 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 153489 <INVESTMENTS-CARRYING> 2444 <INVESTMENTS-MARKET> 2448 <LOANS> 359337 <ALLOWANCE> 2973 <TOTAL-ASSETS> 590010 <DEPOSITS> 493178 <SHORT-TERM> 21465 <LIABILITIES-OTHER> 4410 <LONG-TERM> 19825 <PREFERRED-MANDATORY> 0 <PREFERRED> 3100 <COMMON> 8199 <OTHER-SE> 39863 <TOTAL-LIABILITIES-AND-EQUITY> 590010 <INTEREST-LOAN> 14042 <INTEREST-INVEST> 4238 <INTEREST-OTHER> 241 <INTEREST-TOTAL> 18521 <INTEREST-DEPOSIT> 7595 <INTEREST-EXPENSE> 8624 <INTEREST-INCOME-NET> 9897 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9156 <INCOME-PRETAX> 3896 <INCOME-PRE-EXTRAORDINARY> 3896 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2655 <EPS-BASIC> 1.25 <EPS-DILUTED> 1.17 <YIELD-ACTUAL> 4.06 <LOANS-NON> 1336 <LOANS-PAST> 1291 <LOANS-TROUBLED> 85 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2715 <CHARGE-OFFS> 210 <RECOVERIES> 18 <ALLOWANCE-CLOSE> 2973 <ALLOWANCE-DOMESTIC> 2973 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 546