<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>                                          16,467
<INT-BEARING-DEPOSITS>                           1,745
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    117,965
<INVESTMENTS-CARRYING>                         378,366
<INVESTMENTS-MARKET>                           375,665
<LOANS>                                        289,447
<ALLOWANCE>                                      1,916
<TOTAL-ASSETS>                                 725,167
<DEPOSITS>                                     416,925
<SHORT-TERM>                                    30,000
<LIABILITIES-OTHER>                              8,667
<LONG-TERM>                                    218,359
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           529
<OTHER-SE>                                      50,687
<TOTAL-LIABILITIES-AND-EQUITY>                 725,167
<INTEREST-LOAN>                                 10,796
<INTEREST-INVEST>                               11,694
<INTEREST-OTHER>                                   547
<INTEREST-TOTAL>                                20,037
<INTEREST-DEPOSIT>                               7,564
<INTEREST-EXPENSE>                              13,777
<INTEREST-INCOME-NET>                            9,260
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,654
<INCOME-PRETAX>                                  3,137
<INCOME-PRE-EXTRAORDINARY>                       3,137
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,009
<EPS-BASIC>                                      .72
<EPS-DILUTED>                                      .67
<YIELD-ACTUAL>                                    2.72
<LOANS-NON>                                          0
<LOANS-PAST>                                     2,199
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,909
<CHARGE-OFFS>                                       83
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,916
<ALLOWANCE-DOMESTIC>                             1,916
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,916



</TABLE>