<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>                                                                11,328
<INT-BEARING-DEPOSITS>                                                   357
<FED-FUNDS-SOLD>                                                         304
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           79,192
<INVESTMENTS-CARRYING>                                                12,249
<INVESTMENTS-MARKET>                                                  12,215
<LOANS>                                                              436,829
<ALLOWANCE>                                                            4,892
<TOTAL-ASSETS>                                                       558,556
<DEPOSITS>                                                           458,389
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                    4,941
<LONG-TERM>                                                           46,898
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                               2,432
<OTHER-SE>                                                            45,896
<TOTAL-LIABILITIES-AND-EQUITY>                                       558,556
<INTEREST-LOAN>                                                       18,512
<INTEREST-INVEST>                                                      2,767
<INTEREST-OTHER>                                                         394
<INTEREST-TOTAL>                                                      21,673
<INTEREST-DEPOSIT>                                                     9,596
<INTEREST-EXPENSE>                                                    10,689
<INTEREST-INCOME-NET>                                                 10,984
<LOAN-LOSSES>                                                            719
<SECURITIES-GAINS>                                                        18
<EXPENSE-OTHER>                                                        6,336
<INCOME-PRETAX>                                                        5,383
<INCOME-PRE-EXTRAORDINARY>                                             5,383
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                           3,619
<EPS-BASIC>                                                             0.68
<EPS-DILUTED>                                                           0.67
<YIELD-ACTUAL>                                                          4.16
<LOANS-NON>                                                              696
<LOANS-PAST>                                                             844
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                        1,540
<ALLOWANCE-OPEN>                                                       4,580
<CHARGE-OFFS>                                                            527
<RECOVERIES>                                                             104
<ALLOWANCE-CLOSE>                                                      4,892
<ALLOWANCE-DOMESTIC>                                                   4,892
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                  260



</TABLE>