<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 <CASH> 59,640 <INT-BEARING-DEPOSITS> 5,600 <FED-FUNDS-SOLD> 41,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 493,542 <INVESTMENTS-CARRYING> 35,135 <INVESTMENTS-MARKET> 35,111 <LOANS> 564,867 <ALLOWANCE> 12,640 <TOTAL-ASSETS> 1,244,698 <DEPOSITS> 1,085,039 <SHORT-TERM> 10,158 <LIABILITIES-OTHER> 12,786 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 43,102 <OTHER-SE> 93,613 <TOTAL-LIABILITIES-AND-EQUITY> 1,244,698 <INTEREST-LOAN> 26,843 <INTEREST-INVEST> 14,567 <INTEREST-OTHER> 1,263 <INTEREST-TOTAL> 42,673 <INTEREST-DEPOSIT> 11,088 <INTEREST-EXPENSE> 11,227 <INTEREST-INCOME-NET> 31,446 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 24,018 <INCOME-PRETAX> 15,505 <INCOME-PRE-EXTRAORDINARY> 10,605 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,605 <EPS-BASIC> 1.05 <EPS-DILUTED> 1.05 <YIELD-ACTUAL> 7.69 <LOANS-NON> 1,568 <LOANS-PAST> 1,688 <LOANS-TROUBLED> 2,489 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,901 <CHARGE-OFFS> 863 <RECOVERIES> 602 <ALLOWANCE-CLOSE> 12,640 <ALLOWANCE-DOMESTIC> 12,640 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 169