<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. 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>                                          23,775
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   251
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    298,007
<INVESTMENTS-CARRYING>                          23,002
<INVESTMENTS-MARKET>                            22,956
<LOANS>                                        804,398
<ALLOWANCE>                                    (6,873)
<TOTAL-ASSETS>                               1,201,417
<DEPOSITS>                                     801,138
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              7,229
<LONG-TERM>                                    307,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        66,280
<OTHER-SE>                                      19,520
<TOTAL-LIABILITIES-AND-EQUITY>               1,201,417
<INTEREST-LOAN>                                 32,617
<INTEREST-INVEST>                               10,471
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                43,115
<INTEREST-DEPOSIT>                              15,930
<INTEREST-EXPENSE>                              23,975
<INTEREST-INCOME-NET>                           19,140
<LOAN-LOSSES>                                      725
<SECURITIES-GAINS>                                 296
<EXPENSE-OTHER>                                 14,761
<INCOME-PRETAX>                                  8,688
<INCOME-PRE-EXTRAORDINARY>                       5,932
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,932
<EPS-BASIC>                                        .75
<EPS-DILUTED>                                      .75
<YIELD-ACTUAL>                                    7.83
<LOANS-NON>                                      2,560
<LOANS-PAST>                                       592
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,643
<CHARGE-OFFS>                                    (784)
<RECOVERIES>                                       289
<ALLOWANCE-CLOSE>                                6,873
<ALLOWANCE-DOMESTIC>                             6,873
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0