<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 6/30/99
CONSOLIDATED BALANCE SHEETS AND THE 6/30/99 CONSOLIDATED STATEMENTS OF INCOME
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-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          28,099
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    297,678
<INVESTMENTS-CARRYING>                          53,612
<INVESTMENTS-MARKET>                            54,353
<LOANS>                                        368,891
<ALLOWANCE>                                      8,976
<TOTAL-ASSETS>                                 764,719
<DEPOSITS>                                     627,618
<SHORT-TERM>                                     8,500
<LIABILITIES-OTHER>                              7,787
<LONG-TERM>                                     41,079
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                      79,728
<TOTAL-LIABILITIES-AND-EQUITY>                 764,719
<INTEREST-LOAN>                                 15,822
<INTEREST-INVEST>                               10,362
<INTEREST-OTHER>                                   488
<INTEREST-TOTAL>                                26,672
<INTEREST-DEPOSIT>                               7,966
<INTEREST-EXPENSE>                               9,113
<INTEREST-INCOME-NET>                           17,559
<LOAN-LOSSES>                                      900
<SECURITIES-GAINS>                                 142
<EXPENSE-OTHER>                                 12,625
<INCOME-PRETAX>                                  7,060
<INCOME-PRE-EXTRAORDINARY>                       4,626
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,626
<EPS-BASIC>                                     6.98
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.77
<LOANS-NON>                                      2,793
<LOANS-PAST>                                        19
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,589
<CHARGE-OFFS>                                      841
<RECOVERIES>                                       328
<ALLOWANCE-CLOSE>                                8,976
<ALLOWANCE-DOMESTIC>                             8,976
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0