<TABLE> <S> <C>


<ARTICLE>                                           9
<MULTIPLIER>                                     1000

<S>                                     <C>            <C>            <C>            <C>
<PERIOD-TYPE>                           3-MOS          6-MOS          3-MOS          6-MOS
<FISCAL-YEAR-END>                 DEC-31-1999    DEC-31-1999    DEC-31-1998    DEC-31-1998
<PERIOD-START>                    APR-01-1999    JUN-01-1999    APR-01-1998    JUN-01-1998
<PERIOD-END>                      JUN-30-1999    JUN-30-1999    JUN-30-1998    JUN-30-1998
<CASH>                                 19,668         19,668         25,332         25,332
<INT-BEARING-DEPOSITS>                    397            397          1,295          1,295
<FED-FUNDS-SOLD>                       31,700         31,700          5,500          5,500
<TRADING-ASSETS>                            0              0              0              0
<INVESTMENTS-HELD-FOR-SALE>           176,200        176,200        361,036        361,036
<INVESTMENTS-CARRYING>                410,400        410,400        110,535        110,535
<INVESTMENTS-MARKET>                  175,576        175,576        113,809        113,809
<LOANS>                               819,606        819,606        672,394        672,394
<ALLOWANCE>                             9,633          9,633          8,800          8,800
<TOTAL-ASSETS>                      1,511,303      1,511,303      1,240,466      1,240,466
<DEPOSITS>                          1,063,821      1,063,821      1,005,993      1,005,993
<SHORT-TERM>                           74,000         74,000         23,000         23,000
<LIABILITIES-OTHER>                    13,922         13,922          9,869          9,869
<LONG-TERM>                           243,294        243,294         88,362         88,362
<PREFERRED-MANDATORY>                       0              0              0              0
<PREFERRED>                                 0              0              0              0
<COMMON>                                  163            163            143            143
<OTHER-SE>                             95,966         95,966         92,962         92,962
<TOTAL-LIABILITIES-AND-EQUITY>      1,511,303      1,511,303      1,240,466      1,240,466
<INTEREST-LOAN>                        16,363         31,995         14,540         28,593
<INTEREST-INVEST>                       8,953         16,198          7,741         15,097
<INTEREST-OTHER>                          344            728            295            656
<INTEREST-TOTAL>                       25,660         48,921         22,576         44,346
<INTEREST-DEPOSIT>                      8,997         17,491         10,047         19,594
<INTEREST-EXPENSE>                     12,954         24,620         11,947         23,466
<INTEREST-INCOME-NET>                  12,706         24,301         10,629         20,880
<LOAN-LOSSES>                             302            910            310            620
<SECURITIES-GAINS>                        201            527            686          1,059
<EXPENSE-OTHER>                         7,303         14,255          7,259         13,720
<INCOME-PRETAX>                         6,374        118,886          4,672          9,455
<INCOME-PRE-EXTRAORDINARY>              6,374        118,886          4,672          9,455
<EXTRAORDINARY>                             0              0              0              0
<CHANGES>                                   0              0              0              0
<NET-INCOME>                            3,983          7,458          5,254          8,539
<EPS-BASIC>                            0.25           0.47           0.34           0.56
<EPS-DILUTED>                            0.24           0.45           0.31           0.51
<YIELD-ACTUAL>                           3.55           3.55           3.59           3.57
<LOANS-NON>                             1,293          1,293          5,155          5,155
<LOANS-PAST>                            2,693          2,693            407            407
<LOANS-TROUBLED>                          371            371            736            736
<LOANS-PROBLEM>                             7              7            500            500
<ALLOWANCE-OPEN>                        9,432          8,889          8,535          8,260
<CHARGE-OFFS>                             121            209             73            121
<RECOVERIES>                               20             43             28             51
<ALLOWANCE-CLOSE>                       9,633          9,633          8,800          8,800
<ALLOWANCE-DOMESTIC>                    9,633          9,633          8,800          8,800
<ALLOWANCE-FOREIGN>                         0              0              0              0
<ALLOWANCE-UNALLOCATED>                     0              0              0              0



</TABLE>