<ARTICLE>                                                             9
<MULTIPLIER>                                                      1,000

                                                                 
<PERIOD-TYPE>                                                     6-MOS
<FISCAL-YEAR-END>                                           DEC-31-1999
<PERIOD-START>                                              JAN-01-1999
<PERIOD-END>                                                JUN-30-1999
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<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
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<ALLOWANCE>                                                       1,865
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<SHORT-TERM>                                                          0
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<PREFERRED>                                                           0
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<INTEREST-EXPENSE>                                               13,439
<INTEREST-INCOME-NET>                                            10,112
<LOAN-LOSSES>                                                       123
<SECURITIES-GAINS>                                                    0
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<INCOME-PRETAX>                                                   4,515
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<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
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<EPS-BASIC>                                                       .52
<EPS-DILUTED>                                                       .51
<YIELD-ACTUAL>                                                     3.15
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<LOANS-PAST>                                                      3,408
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
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<CHARGE-OFFS>                                                        44
<RECOVERIES>                                                          2
<ALLOWANCE-CLOSE>                                                 1,865
<ALLOWANCE-DOMESTIC>                                                  0
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                           1,865