<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> 81,911 <INT-BEARING-DEPOSITS> 1,496 <FED-FUNDS-SOLD> 40,648 <TRADING-ASSETS> 6,333 <INVESTMENTS-HELD-FOR-SALE> 297,447 <INVESTMENTS-CARRYING> 25,309 <INVESTMENTS-MARKET> 25,624 <LOANS> 1,196,073 <ALLOWANCE> 17,335 <TOTAL-ASSETS> 1,776,413 <DEPOSITS> 1,414,078 <SHORT-TERM> 14,339 <LIABILITIES-OTHER> 44,466 <LONG-TERM> 46,079 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,185 <OTHER-SE> 123,324 <TOTAL-LIABILITIES-AND-EQUITY> 1,776,413 <INTEREST-LOAN> 47,395 <INTEREST-INVEST> 9,478 <INTEREST-OTHER> 1,606 <INTEREST-TOTAL> 58,479 <INTEREST-DEPOSIT> 22,080 <INTEREST-EXPENSE> 27,141 <INTEREST-INCOME-NET> 31,338 <LOAN-LOSSES> 930 <SECURITIES-GAINS> 189 <EXPENSE-OTHER> 30,619 <INCOME-PRETAX> 15,242 <INCOME-PRE-EXTRAORDINARY> 15,242 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,399 <EPS-BASIC> .94 <EPS-DILUTED> .93 <YIELD-ACTUAL> 7.87 <LOANS-NON> 3,470 <LOANS-PAST> 0 <LOANS-TROUBLED> 456 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 16,540 <CHARGE-OFFS> 530 <RECOVERIES> 395 <ALLOWANCE-CLOSE> 17,335 <ALLOWANCE-DOMESTIC> 17,335 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 17,335