<ARTICLE>                                            9
<MULTIPLIER>                                     1,000


                                                                                               
<PERIOD-TYPE>                   3-MOS                    3-MOS                    6-MOS                6-MOS
<FISCAL-YEAR-END>               DEC-31-1999              DEC-31-1998              DEC-31-1999          DEC-31-1998
<PERIOD-END>                    JUN-30-1999              JUN-30-1998              JUN-30-1999          JUN-30-1998
<CASH>                          14,637                   11,859                   14,637               11,859
<INT-BEARING-DEPOSITS>          0                        0                        0                    0
<FED-FUNDS-SOLD>                0                        1,100                    0                    1,100
<TRADING-ASSETS>                0                        0                        0                    0
<INVESTMENTS-HELD-FOR-SALE>     83,353                   64,066                   83,353               64,066
<INVESTMENTS-CARRYING>          21,734                   23,999                   21,734               23,999
<INVESTMENTS-MARKET>            0                        0                        0                    0
<LOANS>                         322,048                  270,945                  322,048              270,945
<ALLOWANCE>                     3,822                    3,438                    3,822                3,438
<TOTAL-ASSETS>                  471,133                  394,438                  471,133              394,438
<DEPOSITS>                      353,386                  308,385                  353,386              308,385
<SHORT-TERM>                    39,148                   23,269                   39,148               23,269
<LIABILITIES-OTHER>             3,996                    7,439                    3,996                7,439
<LONG-TERM>                     30,978                   18,395                   30,978               18,395
<PREFERRED-MANDATORY>           0                        0                        0                    0
<PREFERRED>                     0                        0                        0                    0
<COMMON>                        3,705                    3,196                    3,705                3,196
<OTHER-SE>                      39,937                   33,790                   39,937               33,790
<TOTAL-LIABILITIES-AND-EQUITY>  471,133                  394,438                  471,133              394,438
<INTEREST-LOAN>                 7,256                    6,385                    14,340               12,115
<INTEREST-INVEST>               1,732                    1,471                    3,348                2,718
<INTEREST-OTHER>                41                       61                       141                  134
<INTEREST-TOTAL>                9,040                    7,924                    17,855               14,995
<INTEREST-DEPOSIT>              3,328                    3,258                    6,722                6,339
<INTEREST-EXPENSE>              4,192                    3,972                    8,376                7,364
<INTEREST-INCOME-NET>           4,848                    3,952                    9,479                7,631
<LOAN-LOSSES>                   196                      308                      402                  518
<SECURITIES-GAINS>              64                       (35)                     95                   (9)
<EXPENSE-OTHER>                 3,774                    3,115                    7,510                5,984
<INCOME-PRETAX>                 2,322                    1,620                    4,395                3,296
<INCOME-PRE-EXTRAORDINARY>      1,533                    1,078                    2,890                2,186
<EXTRAORDINARY>                 0                        0                        0                    0
<CHANGES>                       0                        0                        0                    0
<NET-INCOME>                    1,533                    1,078                    2,890                2,186
<EPS-BASIC>                   .42                      .35                      .80                  .71
<EPS-DILUTED>                   .42                      .35                      .80                  .71
<YIELD-ACTUAL>                  4.54                     4.39                     4.24                 4.24
<LOANS-NON>                     662                      316                      662                  316
<LOANS-PAST>                    255                      331                      255                  331
<LOANS-TROUBLED>                0                        0                        0                    0
<LOANS-PROBLEM>                 8,985                    451                      8,985                5,320
<ALLOWANCE-OPEN>                3,940                    3,197                    3,154                2,789
<CHARGE-OFFS>                   158                      146                      377                  394
<RECOVERIES>                    38                       79                       118                  155
<ALLOWANCE-CLOSE>               3,822                    3,438                    3,822                3,438
<ALLOWANCE-DOMESTIC>            3,822                    3,438                    3,822                3,438
<ALLOWANCE-FOREIGN>             0                        0                        0                    0
<ALLOWANCE-UNALLOCATED>         0                        0                        0                    0