<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>                                          50,181
<INT-BEARING-DEPOSITS>                           4,746
<FED-FUNDS-SOLD>                                16,964
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    431,345
<INVESTMENTS-CARRYING>                          74,936
<INVESTMENTS-MARKET>                            71,985
<LOANS>                                        685,134
<ALLOWANCE>                                      7,700
<TOTAL-ASSETS>                               1,335,261
<DEPOSITS>                                     964,141
<SHORT-TERM>                                   223,243
<LIABILITIES-OTHER>                              2,128
<LONG-TERM>                                     38,220
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,602
<OTHER-SE>                                      97,927
<TOTAL-LIABILITIES-AND-EQUITY>               1,335,261
<INTEREST-LOAN>                                 27,361
<INTEREST-INVEST>                               16,650
<INTEREST-OTHER>                                   758
<INTEREST-TOTAL>                                44,769
<INTEREST-DEPOSIT>                              13,592
<INTEREST-EXPENSE>                              19,831
<INTEREST-INCOME-NET>                           24,938
<LOAN-LOSSES>                                      475
<SECURITIES-GAINS>                                (56)
<EXPENSE-OTHER>                                 18,478
<INCOME-PRETAX>                                 11,890
<INCOME-PRE-EXTRAORDINARY>                      11,890
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,658
<EPS-BASIC>                                       0.90
<EPS-DILUTED>                                     0.90
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                        643
<LOANS-PAST>                                       984
<LOANS-TROUBLED>                                     2
<LOANS-PROBLEM>                                  6,253
<ALLOWANCE-OPEN>                                 7,350
<CHARGE-OFFS>                                      160
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                7,700
<ALLOWANCE-DOMESTIC>                             2,038
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,662