<ARTICLE> 9
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<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               JUN-30-1999             JUN-30-1998
<CASH>                                          14,320                  14,936
<INT-BEARING-DEPOSITS>                           5,376                  50,542
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<INVESTMENTS-MARKET>                             9,068                  34,176
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<ALLOWANCE>                                      4,199                   3,928
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<TOTAL-LIABILITIES-AND-EQUITY>                 458,321                 470,975
<INTEREST-LOAN>                                 15,282                  12,374
<INTEREST-INVEST>                                1,472                   1,002
<INTEREST-OTHER>                                   672                   1,786
<INTEREST-TOTAL>                                17,426                  15,162
<INTEREST-DEPOSIT>                               6,236                   6,010
<INTEREST-EXPENSE>                               6,255                   6,035
<INTEREST-INCOME-NET>                           11,171                   9,127
<LOAN-LOSSES>                                      204                      78
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  9,548                   7,192
<INCOME-PRETAX>                                  3,521                   4,120
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,238                   2,689
<EPS-BASIC>                                       0.21                    0.26
<EPS-DILUTED>                                     0.20                    0.24
<YIELD-ACTUAL>                                    9.18                    9.52
<LOANS-NON>                                        657                     385
<LOANS-PAST>                                         0                      15
<LOANS-TROUBLED>                                     0                       0
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<CHARGE-OFFS>                                        8                       1
<RECOVERIES>                                        46                       1
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<ALLOWANCE-FOREIGN>                                  0                       0
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