<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                            4,592
<INT-BEARING-DEPOSITS>                           15,297
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     330,730
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         139,921
<ALLOWANCE>                                       1,164
<TOTAL-ASSETS>                                  524,218
<DEPOSITS>                                      278,544
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                             163,260
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            900
<OTHER-SE>                                       81,514
<TOTAL-LIABILITIES-AND-EQUITY>                  524,218
<INTEREST-LOAN>                                   5,531
<INTEREST-INVEST>                                10,550
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 16,081
<INTEREST-DEPOSIT>                                5,717
<INTEREST-EXPENSE>                                8,988
<INTEREST-INCOME-NET>                             7,093
<LOAN-LOSSES>                                       150
<SECURITIES-GAINS>                                  245
<EXPENSE-OTHER>                                   3,988
<INCOME-PRETAX>                                   3,503
<INCOME-PRE-EXTRAORDINARY>                            0
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,614
<EPS-BASIC>                                       .35
<EPS-DILUTED>                                       .35
<YIELD-ACTUAL>                                     1.73
<LOANS-NON>                                         432
<LOANS-PAST>                                        432
<LOANS-TROUBLED>                                    133
<LOANS-PROBLEM>                                   2,289
<ALLOWANCE-OPEN>                                      0
<CHARGE-OFFS>                                        17
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 1,164
<ALLOWANCE-DOMESTIC>                                  0
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>