<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS CONTAINED IN THE FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                     1,000
<CURRENCY>                                U.S. Dollars

<S>                                   <C>
<PERIOD-TYPE>                                    6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          22,250
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    354,161
<INVESTMENTS-CARRYING>                         192,129
<INVESTMENTS-MARKET>                           182,787
<LOANS>                                      1,589,052
<ALLOWANCE>                                     16,387
<TOTAL-ASSETS>                               2,215,267
<DEPOSITS>                                   1,595,607
<SHORT-TERM>                                   241,039
<LIABILITIES-OTHER>                              9,827
<LONG-TERM>                                    233,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            93
<OTHER-SE>                                     105,701
<TOTAL-LIABILITIES-AND-EQUITY>               2,215,267
<INTEREST-LOAN>                                 58,785
<INTEREST-INVEST>                               17,857
<INTEREST-OTHER>                                    11
<INTEREST-TOTAL>                                76,653
<INTEREST-DEPOSIT>                              31,501
<INTEREST-EXPENSE>                              43,514
<INTEREST-INCOME-NET>                           33,139
<LOAN-LOSSES>                                    2,003
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 18,657
<INCOME-PRETAX>                                 14,629
<INCOME-PRE-EXTRAORDINARY>                      14,629
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,728
<EPS-BASIC>                                      .94
<EPS-DILUTED>                                      .93
<YIELD-ACTUAL>                                    7.28
<LOANS-NON>                                      3,671
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,252
<LOANS-PROBLEM>                                  9,677
<ALLOWANCE-OPEN>                                14,922
<CHARGE-OFFS>                                      549
<RECOVERIES>                                        11
<ALLOWANCE-CLOSE>                               16,387
<ALLOWANCE-DOMESTIC>                            12,165
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,222



</TABLE>