<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
  This  schedule contains  summary  financial  information  extracted  from  the
Consolidated  Condensed Statements of Condition at June 30, 1999 (unaudited) and
the  Consolidated  Condensed  Statements of Operations  for the six months ended
June 30, 1999  (unaudited) and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<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>                                           11,217
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                  3,000
<TRADING-ASSETS>                                    277
<INVESTMENTS-HELD-FOR-SALE>                     204,130
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         306,991
<ALLOWANCE>                                      (5,584)
<TOTAL-ASSETS>                                  536,796
<DEPOSITS>                                      351,325
<SHORT-TERM>                                     93,060
<LIABILITIES-OTHER>                               4,002
<LONG-TERM>                                      41,630
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          5,768
<OTHER-SE>                                       41,011
<TOTAL-LIABILITIES-AND-EQUITY>                  536,796
<INTEREST-LOAN>                                  11,758
<INTEREST-INVEST>                                 6,536
<INTEREST-OTHER>                                    200
<INTEREST-TOTAL>                                 18,494
<INTEREST-DEPOSIT>                                5,762
<INTEREST-EXPENSE>                                9,242
<INTEREST-INCOME-NET>                             9,252
<LOAN-LOSSES>                                        65
<SECURITIES-GAINS>                                  754
<EXPENSE-OTHER>                                   5,831
<INCOME-PRETAX>                                   5,359
<INCOME-PRE-EXTRAORDINARY>                        5,359
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      3,792
<EPS-BASIC>                                      0.73
<EPS-DILUTED>                                      0.68
<YIELD-ACTUAL>                                     3.59
<LOANS-NON>                                       1,351
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                   6,790
<ALLOWANCE-OPEN>                                  5,549
<CHARGE-OFFS>                                        91
<RECOVERIES>                                         61
<ALLOWANCE-CLOSE>                                 5,584
<ALLOWANCE-DOMESTIC>                              4,178
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,402



</TABLE>