<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 15,036 <INT-BEARING-DEPOSITS> 4 <FED-FUNDS-SOLD> 10,470 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 516,416 <INVESTMENTS-CARRYING> 14,005 <INVESTMENTS-MARKET> 0 <LOANS> 600,229 <ALLOWANCE> (6,847) <TOTAL-ASSETS> 1,197,644 <DEPOSITS> 901,581 <SHORT-TERM> 55,114 <LIABILITIES-OTHER> 5,900 <LONG-TERM> 143,653 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,561 <OTHER-SE> 86,835 <TOTAL-LIABILITIES-AND-EQUITY> 1,197,644 <INTEREST-LOAN> 22,079 <INTEREST-INVEST> 15,936 <INTEREST-OTHER> 187 <INTEREST-TOTAL> 38,202 <INTEREST-DEPOSIT> 16,373 <INTEREST-EXPENSE> 21,087 <INTEREST-INCOME-NET> 17,115 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 1,528 <EXPENSE-OTHER> 9,415 <INCOME-PRETAX> 10,580 <INCOME-PRE-EXTRAORDINARY> 10,580 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,700 <EPS-BASIC> .80 <EPS-DILUTED> .76 <YIELD-ACTUAL> 6.79 <LOANS-NON> 3,149 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,876 <CHARGE-OFFS> 67 <RECOVERIES> 38 <ALLOWANCE-CLOSE> 6,847 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0