<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from Form 10-Q
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>                                          24,719
<INT-BEARING-DEPOSITS>                          28,536
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     78,220
<INVESTMENTS-CARRYING>                          17,841
<INVESTMENTS-MARKET>                            18,059
<LOANS>                                      1,001,404
<ALLOWANCE>                                      9,552
<TOTAL-ASSETS>                               1,194,870
<DEPOSITS>                                     727,969
<SHORT-TERM>                                   180,000
<LIABILITIES-OTHER>                             10,731
<LONG-TERM>                                    193,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            66
<OTHER-SE>                                      82,604
<TOTAL-LIABILITIES-AND-EQUITY>               1,194,870
<INTEREST-LOAN>                                 35,609
<INTEREST-INVEST>                                3,754
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                39,363
<INTEREST-DEPOSIT>                              12,556
<INTEREST-EXPENSE>                              22,858
<INTEREST-INCOME-NET>                           16,505
<LOAN-LOSSES>                                      860
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,338
<INCOME-PRETAX>                                  6,584
<INCOME-PRE-EXTRAORDINARY>                       6,584
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,031
<EPS-BASIC>                                        .83
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                    2.96
<LOANS-NON>                                      1,165
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   213
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,500
<CHARGE-OFFS>                                       46
<RECOVERIES>                                       238
<ALLOWANCE-CLOSE>                                9,552
<ALLOWANCE-DOMESTIC>                             9,552
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0