<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>                                            7858
<INT-BEARING-DEPOSITS>                             736
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          166428
<INVESTMENTS-MARKET>                            158632
<LOANS>                                         444273
<ALLOWANCE>                                        780
<TOTAL-ASSETS>                                  639219
<DEPOSITS>                                      502724
<SHORT-TERM>                                     27000
<LIABILITIES-OTHER>                               2792
<LONG-TERM>                                      25979
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         29700
<OTHER-SE>                                       50080
<TOTAL-LIABILITIES-AND-EQUITY>                  639219
<INTEREST-LOAN>                                  17582
<INTEREST-INVEST>                                 4878
<INTEREST-OTHER>                                   390
<INTEREST-TOTAL>                                 22850
<INTEREST-DEPOSIT>                               12072
<INTEREST-EXPENSE>                               13335
<INTEREST-INCOME-NET>                             9515
<LOAN-LOSSES>                                       20
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   5771
<INCOME-PRETAX>                                   4630
<INCOME-PRE-EXTRAORDINARY>                        3100
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3100
<EPS-BASIC>                                        .75
<EPS-DILUTED>                                      .75
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                       1461
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   1320
<ALLOWANCE-OPEN>                                   771
<CHARGE-OFFS>                                       25
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                  780
<ALLOWANCE-DOMESTIC>                               388
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            392