<TABLE> <S> <C>

<ARTICLE>                                                       9

<S>                                                   <C>
<FISCAL-YEAR-END>                                     DEC-31-1999
<PERIOD-END>                                          JUN-30-1999
<PERIOD-TYPE>                                               6-MOS
<CASH>                                                 46,437,823
<INT-BEARING-DEPOSITS>                                  3,442,110
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                           264,270,643
<INVESTMENTS-CARRYING>                                 12,286,772
<INVESTMENTS-MARKET>                                   12,190,176
<LOANS>                                               843,634,573
<ALLOWANCE>                                            10,304,253
<TOTAL-ASSETS>                                      1,212,475,608
<DEPOSITS>                                            961,905,925
<SHORT-TERM>                                            7,158,812
<LIABILITIES-OTHER>                                     8,865,686
<LONG-TERM>                                            81,387,080
<COMMON>                                               53,294,651
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                             34,312,507
<TOTAL-LIABILITIES-AND-EQUITY>                      1,212,475,608
<INTEREST-LOAN>                                        36,732,381
<INTEREST-INVEST>                                       8,058,808
<INTEREST-OTHER>                                          165,369
<INTEREST-TOTAL>                                       44,956,558
<INTEREST-DEPOSIT>                                     15,423,641
<INTEREST-EXPENSE>                                     18,667,358
<INTEREST-INCOME-NET>                                  26,289,200
<LOAN-LOSSES>                                             851,500
<SECURITIES-GAINS>                                         74,032
<EXPENSE-OTHER>                                        21,251,026
<INCOME-PRETAX>                                        10,175,543
<INCOME-PRE-EXTRAORDINARY>                             10,175,543
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                            6,400,556
<EPS-BASIC>                                                0.80
<EPS-DILUTED>                                                0.77
<YIELD-ACTUAL>                                               4.85
<LOANS-NON>                                             1,888,880
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                        9,546,139
<CHARGE-OFFS>                                             422,190
<RECOVERIES>                                              328,804
<ALLOWANCE-CLOSE>                                      10,304,253
<ALLOWANCE-DOMESTIC>                                    9,804,253
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                   500,000





</TABLE>