<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF JUNE 30, 1999, AND THE STATEMENT OF INCOME FOR
THE SIX MONTHS ENDED JUNE 30, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES THERETO.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          25,124
<INT-BEARING-DEPOSITS>                          17,326
<FED-FUNDS-SOLD>                                 9,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     76,398
<INVESTMENTS-CARRYING>                          11,823
<INVESTMENTS-MARKET>                            11,833
<LOANS>                                        312,271
<ALLOWANCE>                                     (5,955)
<TOTAL-ASSETS>                                 468,674
<DEPOSITS>                                     417,174
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,466
<LONG-TERM>                                         47
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        37,274
<OTHER-SE>                                      10,713
<TOTAL-LIABILITIES-AND-EQUITY>                 468,674
<INTEREST-LOAN>                                 14,536
<INTEREST-INVEST>                                2,435
<INTEREST-OTHER>                                   699
<INTEREST-TOTAL>                                17,670
<INTEREST-DEPOSIT>                               4,183
<INTEREST-EXPENSE>                                   3
<INTEREST-INCOME-NET>                           13,484
<LOAN-LOSSES>                                      280
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,715
<INCOME-PRETAX>                                  4,827
<INCOME-PRE-EXTRAORDINARY>                       4,827
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,065
<EPS-BASIC>                                        .52
<EPS-DILUTED>                                      .49
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0