<ARTICLE>                          9
<MULTIPLIER>                       1,000

                                
<PERIOD-TYPE>                      6-MOS
<FISCAL-YEAR-END>                  DEC-31-1999
<PERIOD-START>                     JAN-1-1999
<PERIOD-END>                       JUN-30-1999
<CASH>                             18,495
<INT-BEARING-DEPOSITS>             0
<FED-FUNDS-SOLD>                   20,266
<TRADING-ASSETS>                   0
<INVESTMENTS-HELD-FOR-SALE>        82,862
<INVESTMENTS-CARRYING>             0
<INVESTMENTS-MARKET>               0
<LOANS>                            476,188
<ALLOWANCE>                        3,889
<TOTAL-ASSETS>                     626,473
<DEPOSITS>                         481,152
<SHORT-TERM>                       76,822
<LIABILITIES-OTHER>                3,314
<LONG-TERM>                        15,000
<PREFERRED-MANDATORY>              0
<PREFERRED>                        0
<COMMON>                           48
<OTHER-SE>                         50,137
<TOTAL-LIABILITIES-AND-EQUITY>     626,473
<INTEREST-LOAN>                    18,643
<INTEREST-INVEST>                  2,111
<INTEREST-OTHER>                   541
<INTEREST-TOTAL>                   21,295
<INTEREST-DEPOSIT>                 8,367
<INTEREST-EXPENSE>                 10,703
<INTEREST-INCOME-NET>              10,592
<LOAN-LOSSES>                      36
<SECURITIES-GAINS>                 0
<EXPENSE-OTHER>                    9,715
<INCOME-PRETAX>                    4,495
<INCOME-PRE-EXTRAORDINARY>         2,877
<EXTRAORDINARY>                    0
<CHANGES>                          0
<NET-INCOME>                       2,877
<EPS-BASIC>                      .63
<EPS-DILUTED>                      .62
<YIELD-ACTUAL>                     3.63
<LOANS-NON>                        458
<LOANS-PAST>                       747
<LOANS-TROUBLED>                   0
<LOANS-PROBLEM>                    0
<ALLOWANCE-OPEN>                   4,024
<CHARGE-OFFS>                      195
<RECOVERIES>                       24
<ALLOWANCE-CLOSE>                  3,889
<ALLOWANCE-DOMESTIC>               3,889
<ALLOWANCE-FOREIGN>                0
<ALLOWANCE-UNALLOCATED>            0