<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 16,467 <INT-BEARING-DEPOSITS> 1,745 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117,965 <INVESTMENTS-CARRYING> 378,366 <INVESTMENTS-MARKET> 375,665 <LOANS> 289,447 <ALLOWANCE> 1,916 <TOTAL-ASSETS> 725,167 <DEPOSITS> 416,925 <SHORT-TERM> 30,000 <LIABILITIES-OTHER> 8,667 <LONG-TERM> 218,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 50,687 <TOTAL-LIABILITIES-AND-EQUITY> 725,167 <INTEREST-LOAN> 10,796 <INTEREST-INVEST> 11,694 <INTEREST-OTHER> 547 <INTEREST-TOTAL> 20,037 <INTEREST-DEPOSIT> 7,564 <INTEREST-EXPENSE> 13,777 <INTEREST-INCOME-NET> 9,260 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,654 <INCOME-PRETAX> 3,137 <INCOME-PRE-EXTRAORDINARY> 3,137 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,009 <EPS-BASIC> .72 <EPS-DILUTED> .67 <YIELD-ACTUAL> 2.72 <LOANS-NON> 0 <LOANS-PAST> 2,199 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,909 <CHARGE-OFFS> 83 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,916 <ALLOWANCE-DOMESTIC> 1,916 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,916