<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED JUNE 30, 1999 AS PRESENTED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS AND DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          22,014
<INT-BEARING-DEPOSITS>                           1,649
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    226,403
<INVESTMENTS-CARRYING>                           6,789
<INVESTMENTS-MARKET>                             6,789
<LOANS>                                        346,427
<ALLOWANCE>                                      4,612
<TOTAL-ASSETS>                                 627,148
<DEPOSITS>                                     479,616
<SHORT-TERM>                                    52,323
<LIABILITIES-OTHER>                              9,207
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      65,959
<TOTAL-LIABILITIES-AND-EQUITY>                 627,148
<INTEREST-LOAN>                                 14,121
<INTEREST-INVEST>                                6,877
<INTEREST-OTHER>                                   413
<INTEREST-TOTAL>                                21,410
<INTEREST-DEPOSIT>                               7,327
<INTEREST-EXPENSE>                               9,099
<INTEREST-INCOME-NET>                           12,311
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                 150
<EXPENSE-OTHER>                                 10,623
<INCOME-PRETAX>                                  5,742
<INCOME-PRE-EXTRAORDINARY>                       5,742
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,902
<EPS-BASIC>                                        .94
<EPS-DILUTED>                                      .94
<YIELD-ACTUAL>                                    4.06
<LOANS-NON>                                      4,079
<LOANS-PAST>                                       183
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,509
<CHARGE-OFFS>                                      390
<RECOVERIES>                                        93
<ALLOWANCE-CLOSE>                                4,612
<ALLOWANCE-DOMESTIC>                             2,891
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,721