<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                      19,029,898
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                197,027,542
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    662,080,539
<ALLOWANCE>                                  9,279,382
<TOTAL-ASSETS>                             890,380,716
<DEPOSITS>                                 719,675,234
<SHORT-TERM>                               103,158,393
<LIABILITIES-OTHER>                          9,306,949
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,012,921
<OTHER-SE>                                  57,227,219
<TOTAL-LIABILITIES-AND-EQUITY>             890,380,716
<INTEREST-LOAN>                             24,975,130
<INTEREST-INVEST>                            5,968,501
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            30,943,631
<INTEREST-DEPOSIT>                          15,031,692
<INTEREST-EXPENSE>                          17,090,092
<INTEREST-INCOME-NET>                       13,853,539
<LOAN-LOSSES>                                1,125,000
<SECURITIES-GAINS>                              29,886
<EXPENSE-OTHER>                              7,201,983
<INCOME-PRETAX>                              6,460,221
<INCOME-PRE-EXTRAORDINARY>                   6,460,221
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,360,220
<EPS-BASIC>                                        .72
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                   3.468
<LOANS-NON>                                          0
<LOANS-PAST>                                     4,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             8,145,982
<CHARGE-OFFS>                                        0
<RECOVERIES>                                     8,000
<ALLOWANCE-CLOSE>                            9,279,382
<ALLOWANCE-DOMESTIC>                         8,487,604
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        791,778