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<PERIOD-TYPE>                                 3-MOS                       6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999                 DEC-31-1999
<PERIOD-START>                                 APR-01-1999                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999                 JUN-30-1999
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<FED-FUNDS-SOLD>                               0                            0
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<INTEREST-DEPOSIT>                             16,053                       31,362
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<EXPENSE-OTHER>                                12,789                       24,733
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<EPS-BASIC>                                  .27                          .54
<EPS-DILUTED>                                  .27                          .52
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