<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 35,948 <INT-BEARING-DEPOSITS> 791 <FED-FUNDS-SOLD> 32,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 359,050 <INVESTMENTS-CARRYING> 17,055 <INVESTMENTS-MARKET> 17,165 <LOANS> 920,824 <ALLOWANCE> 9,858 <TOTAL-ASSETS> 1,407,815 <DEPOSITS> 1,091,489 <SHORT-TERM> 82,480 <LIABILITIES-OTHER> 9,710 <LONG-TERM> 68,696 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,502 <OTHER-SE> 153,938 <TOTAL-LIABILITIES-AND-EQUITY> 1,407,815 <INTEREST-LOAN> 37,896 <INTEREST-INVEST> 10,122 <INTEREST-OTHER> 668 <INTEREST-TOTAL> 48,686 <INTEREST-DEPOSIT> 18,680 <INTEREST-EXPENSE> 22,384 <INTEREST-INCOME-NET> 26,302 <LOAN-LOSSES> 1,027 <SECURITIES-GAINS> 157 <EXPENSE-OTHER> 18,187 <INCOME-PRETAX> 14,289 <INCOME-PRE-EXTRAORDINARY> 9,292 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,292 <EPS-BASIC> 0.78 <EPS-DILUTED> 0.77 <YIELD-ACTUAL> 4.31 <LOANS-NON> 1526 <LOANS-PAST> 2,723 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,209 <CHARGE-OFFS> 601 <RECOVERIES> 223 <ALLOWANCE-CLOSE> 9,858 <ALLOWANCE-DOMESTIC> 9,858 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0