<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 40,848 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 123,059 <INVESTMENTS-CARRYING> 16,453 <INVESTMENTS-MARKET> 16,739 <LOANS> 509,758 <ALLOWANCE> 10,357 <TOTAL-ASSETS> 721,275 <DEPOSITS> 610,204 <SHORT-TERM> 27,779 <LIABILITIES-OTHER> 5,280 <LONG-TERM> 4,417 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,560 <OTHER-SE> 66,035 <TOTAL-LIABILITIES-AND-EQUITY> 721,275 <INTEREST-LOAN> 24,529 <INTEREST-INVEST> 4,283 <INTEREST-OTHER> 313 <INTEREST-TOTAL> 29,125 <INTEREST-DEPOSIT> 11,207 <INTEREST-EXPENSE> 11,699 <INTEREST-INCOME-NET> 17,426 <LOAN-LOSSES> 1,009 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 14,002 <INCOME-PRETAX> 6,473 <INCOME-PRE-EXTRAORDINARY> 6,473 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,253 <EPS-BASIC> .59 <EPS-DILUTED> .59 <YIELD-ACTUAL> 5.43 <LOANS-NON> 8,098 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 8,098 <ALLOWANCE-OPEN> 10,192 <CHARGE-OFFS> 1,452 <RECOVERIES> 608 <ALLOWANCE-CLOSE> 10,357 <ALLOWANCE-DOMESTIC> 10,357 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,357