<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                                                    <C>
<PERIOD-TYPE>                                          6-MOS
<FISCAL-YEAR-END>                                          DEC-31-1999
<PERIOD-START>                                             JAN-01-1999
<PERIOD-END>                                               JUN-30-1999
<CASH>                                                          19,432
<INT-BEARING-DEPOSITS>                                           1,015
<FED-FUNDS-SOLD>                                                 3,750
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                     82,693
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                        376,670
<ALLOWANCE>                                                      4,630
<TOTAL-ASSETS>                                                 508,367
<DEPOSITS>                                                     409,360
<SHORT-TERM>                                                     8,358
<LIABILITIES-OTHER>                                              4,331
<LONG-TERM>                                                     34,040
<COMMON>                                                         1,217
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                      51,061
<TOTAL-LIABILITIES-AND-EQUITY>                                 508,367
<INTEREST-LOAN>                                                 19,900
<INTEREST-INVEST>                                                2,595
<INTEREST-OTHER>                                                   375
<INTEREST-TOTAL>                                                19,870
<INTEREST-DEPOSIT>                                               7,849
<INTEREST-EXPENSE>                                               9,148
<INTEREST-INCOME-NET>                                           10,722
<LOAN-LOSSES>                                                      361
<SECURITIES-GAINS>                                                (24)
<EXPENSE-OTHER>                                                  8,117
<INCOME-PRETAX>                                                  5,256
<INCOME-PRE-EXTRAORDINARY>                                       3,515
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                     3,515
<EPS-BASIC>                                                      .42
<EPS-DILUTED>                                                      .42
<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


</TABLE>