<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>


<MULTIPLIER>                                   1000


<S>                                           <C>              <C>
<PERIOD-TYPE>                                          12-MOS            12-MOS
<FISCAL-YEAR-END>                                 DEC-31-2000       DEC-31-1999
<PERIOD-END>                                      JUN-30-2000       JUN-30-1999
<CASH>                                                 19,350            19,266
<INT-BEARING-DEPOSITS>                                      0                 0
<FED-FUNDS-SOLD>                                            0                 0
<TRADING-ASSETS>                                            0                 0
<INVESTMENTS-HELD-FOR-SALE>                           390,192           395,322
<INVESTMENTS-CARRYING>                                      0                 0
<INVESTMENTS-MARKET>                                        0                 0
<LOANS>                                               497,454           403,774
<ALLOWANCE>                                             8,736             8,452
<TOTAL-ASSETS>                                        945,162           745,387
<DEPOSITS>                                            792,448           607,766
<SHORT-TERM>                                           65,628            63,904
<LIABILITIES-OTHER>                                    27,175             8,930
<LONG-TERM>                                             5,851             6,286
<PREFERRED-MANDATORY>                                       0                 0
<PREFERRED>                                                 0                 0
<COMMON>                                                9,756             9,761
<OTHER-SE>                                             44,304            48,740
<TOTAL-LIABILITIES-AND-EQUITY>                        945,162           745,387
<INTEREST-LOAN>                                        19,736            16,759
<INTEREST-INVEST>                                      14,704             9,373
<INTEREST-OTHER>                                          128                71
<INTEREST-TOTAL>                                       34,568            26,203
<INTEREST-DEPOSIT>                                     16,365            12,055
<INTEREST-EXPENSE>                                     17,410            12,689
<INTEREST-INCOME-NET>                                  17,158            13,514
<LOAN-LOSSES>                                             740               720
<SECURITIES-GAINS>                                       (326)              (652)
<EXPENSE-OTHER>                                        12,823             9,795
<INCOME-PRETAX>                                         5,562             4,265
<INCOME-PRE-EXTRAORDINARY>                              5,562             4,265
<EXTRAORDINARY>                                             0                 0
<CHANGES>                                                   0                 0
<NET-INCOME>                                            4,096             3,146
<EPS-BASIC>                                              0.55              0.41
<EPS-DILUTED>                                            0.54              0.41
<YIELD-ACTUAL>                                           3.96              4.06
<LOANS-NON>                                             4,792             4,637
<LOANS-PAST>                                              386             1,646
<LOANS-TROUBLED>                                            0                 0
<LOANS-PROBLEM>                                             0                 0
<ALLOWANCE-OPEN>                                        8,529             8,384
<CHARGE-OFFS>                                             688               845
<RECOVERIES>                                              155               193
<ALLOWANCE-CLOSE>                                       8,736             8,452
<ALLOWANCE-DOMESTIC>                                    8,736             8,452
<ALLOWANCE-FOREIGN>                                         0                 0
<ALLOWANCE-UNALLOCATED>                                   940             2,025

<FN>
(1) Basic earnings per share under SFAS No. 128
(2) Diluted earnings per share under SFAS No. 128
(3) Fully taxable equivalent
</FN>


</TABLE>