<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the second quarter
10-Q and is qualified in its enitrety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          44,185
<INT-BEARING-DEPOSITS>                              64
<FED-FUNDS-SOLD>                                10,224
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    269,972
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        621,553
<ALLOWANCE>                                      5,906
<TOTAL-ASSETS>                                 994,994
<DEPOSITS>                                     724,125
<SHORT-TERM>                                   173,755
<LIABILITIES-OTHER>                              7,137
<LONG-TERM>                                     35,732
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      52,792
<TOTAL-LIABILITIES-AND-EQUITY>                 994,994
<INTEREST-LOAN>                                 24,268
<INTEREST-INVEST>                                9,031
<INTEREST-OTHER>                                   192
<INTEREST-TOTAL>                                33,491
<INTEREST-DEPOSIT>                              13,518
<INTEREST-EXPENSE>                              18,096
<INTEREST-INCOME-NET>                           15,395
<LOAN-LOSSES>                                      500
<SECURITIES-GAINS>                                 859
<EXPENSE-OTHER>                                 14,712
<INCOME-PRETAX>                                  6,353
<INCOME-PRE-EXTRAORDINARY>                       4,229
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,229
<EPS-BASIC>                                        .73
<EPS-DILUTED>                                      .73
<YIELD-ACTUAL>                                    3.48
<LOANS-NON>                                         73
<LOANS-PAST>                                        48
<LOANS-TROUBLED>                                 1,230
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,510
<CHARGE-OFFS>                                      154
<RECOVERIES>                                        50
<ALLOWANCE-CLOSE>                                5,906
<ALLOWANCE-DOMESTIC>                             3,380
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,526