<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 34,505 <INT-BEARING-DEPOSITS> 575 <FED-FUNDS-SOLD> 39,487 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 278,136 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 600,413 <ALLOWANCE> 8,313 <TOTAL-ASSETS> 992,198 <DEPOSITS> 830,114 <SHORT-TERM> 45,981 <LIABILITIES-OTHER> 13,058 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,875 <OTHER-SE> 87,170 <TOTAL-LIABILITIES-AND-EQUITY> 992,198 <INTEREST-LOAN> 24,199 <INTEREST-INVEST> 8,015 <INTEREST-OTHER> 847 <INTEREST-TOTAL> 33,061 <INTEREST-DEPOSIT> 13,407 <INTEREST-EXPENSE> 14,449 <INTEREST-INCOME-NET> 18,612 <LOAN-LOSSES> 447 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 19,032 <INCOME-PRETAX> 8,890 <INCOME-PRE-EXTRAORDINARY> 6,048 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,048 <EPS-BASIC> .99 <EPS-DILUTED> .99 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0