<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENTS OF FINANCIAL JUNE 30, 1999, CONSOLIDATED STATEMENTS OF OPERATIONS
JUNE 30, 1999, REFERENCE TO QUARTERLY REPORT FROM 10-Q JUNE 30, 1999.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          30,910
<INT-BEARING-DEPOSITS>                             218
<FED-FUNDS-SOLD>                                 3,042
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    188,531
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        558,326
<ALLOWANCE>                                      5,652
<TOTAL-ASSETS>                                 819,269
<DEPOSITS>                                     470,933
<SHORT-TERM>                                   101,516
<LIABILITIES-OTHER>                              8,314
<LONG-TERM>                                    159,777
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            95
<OTHER-SE>                                      78,634
<TOTAL-LIABILITIES-AND-EQUITY>                 819,269
<INTEREST-LOAN>                                 22,512
<INTEREST-INVEST>                                4,639
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                27,151
<INTEREST-DEPOSIT>                               6,813
<INTEREST-EXPENSE>                              11,486
<INTEREST-INCOME-NET>                           15,665
<LOAN-LOSSES>                                      672
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                 11,458
<INCOME-PRETAX>                                  9,039
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,897
<EPS-BASIC>                                       0.61
<EPS-DILUTED>                                     0.60
<YIELD-ACTUAL>                                    4.68
<LOANS-NON>                                      1,715
<LOANS-PAST>                                       746
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,133
<CHARGE-OFFS>                                      291
<RECOVERIES>                                       138
<ALLOWANCE-CLOSE>                                5,652
<ALLOWANCE-DOMESTIC>                             5,652
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0