<TABLE> <S> <C>

<ARTICLE>                                                       9
<MULTIPLIER>                                                1,000

<S>                                             <C>
<PERIOD-TYPE>                                               6-Mos
<FISCAL-YEAR-END>                                     Dec-31-1999
<PERIOD-END>                                          Jun-30-1999
<CASH>                                                     18,943
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                            2,800
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               106,224
<INVESTMENTS-CARRYING>                                     47,410
<INVESTMENTS-MARKET>                                       47,101
<LOANS>                                                   502,649
<ALLOWANCE>                                                 5,498
<TOTAL-ASSETS>                                            690,846
<DEPOSITS>                                                603,836
<SHORT-TERM>                                               16,960
<LIABILITIES-OTHER>                                         6,294
<LONG-TERM>                                                     0
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 58,359
<TOTAL-LIABILITIES-AND-EQUITY>                            690,846
<INTEREST-LOAN>                                            19,358
<INTEREST-INVEST>                                            4306
<INTEREST-OTHER>                                              414
<INTEREST-TOTAL>                                           24,078
<INTEREST-DEPOSIT>                                          8,626
<INTEREST-EXPENSE>                                          9,092
<INTEREST-INCOME-NET>                                      14,986
<LOAN-LOSSES>                                                 600
<SECURITIES-GAINS>                                            856
<EXPENSE-OTHER>                                            10,034
<INCOME-PRETAX>                                             7,221
<INCOME-PRE-EXTRAORDINARY>                                  7,221
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                4,764
<EPS-BASIC>                                                0.66
<EPS-DILUTED>                                                0.66
<YIELD-ACTUAL>                                               4.64
<LOANS-NON>                                                 1,698
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              435
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,645
<CHARGE-OFFS>                                                 765
<RECOVERIES>                                                   18
<ALLOWANCE-CLOSE>                                           5,498
<ALLOWANCE-DOMESTIC>                                        5,498
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                     1,037


</TABLE>