<TABLE> <S> <C>


<ARTICLE>                                                 9
<LEGEND>
Exhibit (27)
Financial Data Schedule
As Of and For the Period Ended June 30, 1999
</LEGEND>

<S>                                            <C>
<PERIOD-TYPE>                                          6-mos
<FISCAL-YEAR-END>                                Dec-31-1999
<PERIOD-END>                                     Jun-30-1999
<CASH>                                           $30,388,864
<INT-BEARING-DEPOSITS>                               646,602
<FED-FUNDS-SOLD>                                   4,000,000
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                      599,233,605
<INVESTMENTS-CARRYING>                           211,228,647
<INVESTMENTS-MARKET>                             212,620,993
<LOANS>                                          392,087,804
<ALLOWANCE>                                        8,555,816
<TOTAL-ASSETS>                                 1,264,939,311
<DEPOSITS>                                       879,870,792
<SHORT-TERM>                                     246,725,798
<LIABILITIES-OTHER>                               30,246,105
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                               9,989
<OTHER-SE>                                       108,086,627
<TOTAL-LIABILITIES-AND-EQUITY>                 1,264,939,311
<INTEREST-LOAN>                                   15,083,696
<INTEREST-INVEST>                                 27,284,089
<INTEREST-OTHER>                                     313,011
<INTEREST-TOTAL>                                  42,680,796
<INTEREST-DEPOSIT>                                12,901,095
<INTEREST-EXPENSE>                                18,363,771
<INTEREST-INCOME-NET>                             24,317,025
<LOAN-LOSSES>                                        600,000
<SECURITIES-GAINS>                                    75,881
<EXPENSE-OTHER>                                   12,863,568
<INCOME-PRETAX>                                   13,886,609
<INCOME-PRE-EXTRAORDINARY>                                 0
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                       9,173,118
<EPS-BASIC>                                           0.95
<EPS-DILUTED>                                           0.94
<YIELD-ACTUAL>                                          4.31
<LOANS-NON>                                          337,000
<LOANS-PAST>                                         594,000
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                   7,964,735
<CHARGE-OFFS>                                        177,990
<RECOVERIES>                                         169,071
<ALLOWANCE-CLOSE>                                  8,555,816
<ALLOWANCE-DOMESTIC>                                 194,000
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                            8,361,816



</TABLE>