<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>                                            15,766
<INT-BEARING-DEPOSITS>                               104
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       65,661
<INVESTMENTS-CARRYING>                           181,313
<INVESTMENTS-MARKET>                             176,785
<LOANS>                                          296,666
<ALLOWANCE>                                        3,480
<TOTAL-ASSETS>                                   715,295
<DEPOSITS>                                       558,407
<SHORT-TERM>                                           0
<LIABILITIES-OTHER>                                5,950
<LONG-TERM>                                      106,337
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             790
<OTHER-SE>                                        43,811
<TOTAL-LIABILITIES-AND-EQUITY>                   715,295
<INTEREST-LOAN>                                   11,574
<INTEREST-INVEST>                                  8,219
<INTEREST-OTHER>                                   3,059
<INTEREST-TOTAL>                                  22,853
<INTEREST-DEPOSIT>                                 8,745
<INTEREST-EXPENSE>                                12,004
<INTEREST-INCOME-NET>                             10,849
<LOAN-LOSSES>                                        120
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    7,000
<INCOME-PRETAX>                                    3,728
<INCOME-PRE-EXTRAORDINARY>                             0
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       2,379
<EPS-BASIC>                                        .33
<EPS-DILUTED>                                        .33
<YIELD-ACTUAL>                                      3.37
<LOANS-NON>                                        3,731
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                     346
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   3,342
<CHARGE-OFFS>                                          0
<RECOVERIES>                                          20
<ALLOWANCE-CLOSE>                                  3,480
<ALLOWANCE-DOMESTIC>                               3,480
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            3,231



</TABLE>