<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND THE CONSOLIDATED CONDENSED
INCOME STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          23,971
<INT-BEARING-DEPOSITS>                              30
<FED-FUNDS-SOLD>                                 7,760
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    239,310
<INVESTMENTS-CARRYING>                          19,959
<INVESTMENTS-MARKET>                            20,011
<LOANS>                                        578,909
<ALLOWANCE>                                      6,578
<TOTAL-ASSETS>                                 923,859
<DEPOSITS>                                     801,743
<SHORT-TERM>                                    17,951
<LIABILITIES-OTHER>                             14,809
<LONG-TERM>                                      8,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,428
<OTHER-SE>                                      56,503
<TOTAL-LIABILITIES-AND-EQUITY>                 923,859
<INTEREST-LOAN>                                 23,248
<INTEREST-INVEST>                                7,012
<INTEREST-OTHER>                                   860
<INTEREST-TOTAL>                                31,120
<INTEREST-DEPOSIT>                              14,858
<INTEREST-EXPENSE>                              16,666
<INTEREST-INCOME-NET>                           14,455
<LOAN-LOSSES>                                      717
<SECURITIES-GAINS>                                (13)
<EXPENSE-OTHER>                                 11,857
<INCOME-PRETAX>                                  4,969
<INCOME-PRE-EXTRAORDINARY>                       3,302
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,302
<EPS-BASIC>                                        .69
<EPS-DILUTED>                                      .69
<YIELD-ACTUAL>                                    7.49
<LOANS-NON>                                      3,843
<LOANS-PAST>                                       609
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,099
<CHARGE-OFFS>                                      451
<RECOVERIES>                                       213
<ALLOWANCE-CLOSE>                                6,578
<ALLOWANCE-DOMESTIC>                             4,976
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,602