<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> Dec-31-1999 <PERIOD-START> Jan-01-1999 <PERIOD-END> Jun-30-1999 <CASH> 25,602 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 229,054 <INVESTMENTS-CARRYING> 19,670 <INVESTMENTS-MARKET> 19,918 <LOANS> 747,038 <ALLOWANCE> 6,658 <TOTAL-ASSETS> 1,049,842 <DEPOSITS> 920,784 <SHORT-TERM> 21,930 <LIABILITIES-OTHER> 6,309 <LONG-TERM> 24,970 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 75,331 <TOTAL-LIABILITIES-AND-EQUITY> 1,049,842 <INTEREST-LOAN> 28,360 <INTEREST-INVEST> 7,813 <INTEREST-OTHER> 322 <INTEREST-TOTAL> 36,495 <INTEREST-DEPOSIT> 13,620 <INTEREST-EXPENSE> 14,846 <INTEREST-INCOME-NET> 21,649 <LOAN-LOSSES> 360 <SECURITIES-GAINS> 319 <EXPENSE-OTHER> 18,464 <INCOME-PRETAX> 9,337 <INCOME-PRE-EXTRAORDINARY> 5,803 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,803 <EPS-BASIC> 1.20 <EPS-DILUTED> 1.18 <YIELD-ACTUAL> 4.38 <LOANS-NON> 2,054 <LOANS-PAST> 49 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,343 <CHARGE-OFFS> 306 <RECOVERIES> 261 <ALLOWANCE-CLOSE> 6,658 <ALLOWANCE-DOMESTIC> 6,658 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0