<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          13,700
<INT-BEARING-DEPOSITS>                           4,391
<FED-FUNDS-SOLD>                                35,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     67,151
<INVESTMENTS-CARRYING>                          68,318
<INVESTMENTS-MARKET>                            67,151
<LOANS>                                        394,852
<ALLOWANCE>                                    (4,833)
<TOTAL-ASSETS>                                 528,333
<DEPOSITS>                                     392,607
<SHORT-TERM>                                     8,127
<LIABILITIES-OTHER>                              6,827
<LONG-TERM>                                     85,691
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,847
<OTHER-SE>                                      24,234
<TOTAL-LIABILITIES-AND-EQUITY>                 528,333
<INTEREST-LOAN>                                 14,369
<INTEREST-INVEST>                                1,972
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                16,341
<INTEREST-DEPOSIT>                               5,615
<INTEREST-EXPENSE>                               8,040
<INTEREST-INCOME-NET>                            8,301
<LOAN-LOSSES>                                      424
<SECURITIES-GAINS>                                  46
<EXPENSE-OTHER>                                 12,559
<INCOME-PRETAX>                                  4,525
<INCOME-PRE-EXTRAORDINARY>                       4,525
<EXTRAORDINARY>                                      0
<CHANGES>                                          125
<NET-INCOME>                                     2,970
<EPS-BASIC>                                      $0.27
<EPS-DILUTED>                                    $0.27
<YIELD-ACTUAL>                                    7.24
<LOANS-NON>                                        946
<LOANS-PAST>                                     2,990
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,386
<CHARGE-OFFS>                                       78
<RECOVERIES>                                       101
<ALLOWANCE-CLOSE>                                4,833
<ALLOWANCE-DOMESTIC>                             4,833
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0