<TABLE> <S> <C>


<ARTICLE>                                                               9
<MULTIPLIER>                                                        1,000

<S>                                                                   <C>
<PERIOD-TYPE>                                                       6-MOS
<FISCAL-YEAR-END>                                             DEC-31-1999
<PERIOD-START>                                                JAN-01-1999
<PERIOD-END>                                                  JUN-30-1999
<CASH>                                                              4,564
<INT-BEARING-DEPOSITS>                                              8,517
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        67,838
<INVESTMENTS-CARRYING>                                             23,157
<INVESTMENTS-MARKET>                                               23,073
<LOANS>                                                           669,756
<ALLOWANCE>                                                         3,116
<TOTAL-ASSETS>                                                    808,551
<DEPOSITS>                                                        607,668
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                 5,649
<LONG-TERM>                                                        97,972
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                              912
<OTHER-SE>                                                         96,350
<TOTAL-LIABILITIES-AND-EQUITY>                                    808,551
<INTEREST-LOAN>                                                    25,610
<INTEREST-INVEST>                                                   2,276
<INTEREST-OTHER>                                                      714
<INTEREST-TOTAL>                                                   28,600
<INTEREST-DEPOSIT>                                                 13,452
<INTEREST-EXPENSE>                                                 15,912
<INTEREST-INCOME-NET>                                              12,688
<LOAN-LOSSES>                                                         175
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                    11,533
<INCOME-PRETAX>                                                     1,899
<INCOME-PRE-EXTRAORDINARY>                                            818
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                          818
<EPS-BASIC>                                                         .09
<EPS-DILUTED>                                                         .09
<YIELD-ACTUAL>                                                       3.26
<LOANS-NON>                                                         1,174
<LOANS-PAST>                                                        1,372
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                    2,960
<CHARGE-OFFS>                                                          22
<RECOVERIES>                                                            3
<ALLOWANCE-CLOSE>                                                   3,116
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                             3,116



</TABLE>