<ARTICLE> 9
<MULTIPLIER>                        1,000
<CURRENCY>                          U.S.Dollars

                                                 
<PERIOD-TYPE>                                              6-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-START>                                       JAN-01-1999
<PERIOD-END>                                         JUN-30-1999
<EXCHANGE-RATE>                                                1
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<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                           1,066
<INVESTMENTS-HELD-FOR-SALE>                               75,495
<INVESTMENTS-CARRYING>                                         0
<INVESTMENTS-MARKET>                                           0
<LOANS>                                                  261,097
<ALLOWANCE>                                                3,770
<TOTAL-ASSETS>                                           411,078
<DEPOSITS>                                               344,601
<SHORT-TERM>                                                 625
<LIABILITIES-OTHER>                                        2,333
<LONG-TERM>                                               24,638
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                  25,824
<OTHER-SE>                                                14,798
<TOTAL-LIABILITIES-AND-EQUITY>                           411,078
<INTEREST-LOAN>                                           11,842
<INTEREST-INVEST>                                          2,302
<INTEREST-OTHER>                                             314
<INTEREST-TOTAL>                                          14,458
<INTEREST-DEPOSIT>                                         4,506
<INTEREST-EXPENSE>                                           918
<INTEREST-INCOME-NET>                                      9,035
<LOAN-LOSSES>                                              1,034
<SECURITIES-GAINS>                                             0
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<INCOME-PRETAX>                                            4,194
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<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
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<EPS-BASIC>                                                 0.35
<EPS-DILUTED>                                               0.35
<YIELD-ACTUAL>                                              5.36
<LOANS-NON>                                                1,718
<LOANS-PAST>                                                 117
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                           3,469
<CHARGE-OFFS>                                                763
<RECOVERIES>                                                  29
<ALLOWANCE-CLOSE>                                          3,770
<ALLOWANCE-DOMESTIC>                                       3,770
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0