<ARTICLE> 9
<MULTIPLIER> 1,000

                                                    
<PERIOD-TYPE>                   3-MOS                     3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999               DEC-31-1998
<PERIOD-START>                             JAN-01-1999               JAN-01-1998
<PERIOD-END>                               JUN-30-1999               JUN-30-1998
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<INTEREST-DEPOSIT>                              14,568                    11,203
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<SECURITIES-GAINS>                                   7                        15
<EXPENSE-OTHER>                                 15,855                    13,206
<INCOME-PRETAX>                                  6,265                     7,515
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<EXTRAORDINARY>                                      0                         0
<CHANGES>                                            0                         0
<NET-INCOME>                                     4,195                     4,760
<EPS-BASIC>                                        .69                      1.06
<EPS-DILUTED>                                      .69                      1.05
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