<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE UNAUDITED FINANCIAL
STATEMENTS CONTAINED THEREIN.
</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>                                           1,095
<INT-BEARING-DEPOSITS>                          36,337
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     88,701
<INVESTMENTS-CARRYING>                             809
<INVESTMENTS-MARKET>                               824
<LOANS>                                        418,556
<ALLOWANCE>                                    (5,691)
<TOTAL-ASSETS>                                 559,145
<DEPOSITS>                                     352,829
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                             16,045
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           114
<OTHER-SE>                                     187,157
<TOTAL-LIABILITIES-AND-EQUITY>                 559,145
<INTEREST-LOAN>                                 16,073
<INTEREST-INVEST>                                3,491
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                19,564
<INTEREST-DEPOSIT>                               8,290
<INTEREST-EXPENSE>                               8,535
<INTEREST-INCOME-NET>                           11,029
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                 177
<EXPENSE-OTHER>                                  3,689
<INCOME-PRETAX>                                  7,633
<INCOME-PRE-EXTRAORDINARY>                       7,633
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,708
<EPS-BASIC>                                     0.45
<EPS-DILUTED>                                     0.45
<YIELD-ACTUAL>                                    7.15
<LOANS-NON>                                      4,484
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,644
<LOANS-PROBLEM>                                    604
<ALLOWANCE-OPEN>                                 5,684
<CHARGE-OFFS>                                       68
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                5,691
<ALLOWANCE-DOMESTIC>                             3,504
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,187