<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT JUNE 30, 1999 AND DECEMBER 31, 1998 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE
30, 1999 AND 1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           2,413
<INT-BEARING-DEPOSITS>                           8,130
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    183,341
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        446,670
<ALLOWANCE>                                      3,188
<TOTAL-ASSETS>                                 679,974
<DEPOSITS>                                     416,192
<SHORT-TERM>                                    24,000
<LIABILITIES-OTHER>                              4,187
<LONG-TERM>                                    168,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      67,104
<TOTAL-LIABILITIES-AND-EQUITY>                 679,974
<INTEREST-LOAN>                                 17,407
<INTEREST-INVEST>                                5,552
<INTEREST-OTHER>                                   304
<INTEREST-TOTAL>                                23,263
<INTEREST-DEPOSIT>                               9,143
<INTEREST-EXPENSE>                              14,289
<INTEREST-INCOME-NET>                            8,974
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                 163
<EXPENSE-OTHER>                                  5,925
<INCOME-PRETAX>                                  5,418
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,318
<EPS-BASIC>                                        .74
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    2.74
<LOANS-NON>                                        297
<LOANS-PAST>                                       421
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    133
<ALLOWANCE-OPEN>                                 3,041
<CHARGE-OFFS>                                      (4)
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                3,188
<ALLOWANCE-DOMESTIC>                             1,284
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,904


</TABLE>