<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

<S>                                                                                  <C>
<PERIOD-TYPE>                                                                               6-MOS
<FISCAL-YEAR-END>                                                                     DEC-31-1999
<PERIOD-START>                                                                        JAN-01-1999
<PERIOD-END>                                                                          JUN-30-1999
<EXCHANGE-RATE>                                                                                 1
<CASH>                                                                                     37,480
<INT-BEARING-DEPOSITS>                                                                    304,230
<FED-FUNDS-SOLD>                                                                           17,310
<TRADING-ASSETS>                                                                                0
<INVESTMENTS-HELD-FOR-SALE>                                                               133,561
<INVESTMENTS-CARRYING>                                                                     22,852
<INVESTMENTS-MARKET>                                                                      156,509
<LOANS>                                                                                   232,825
<ALLOWANCE>                                                                                 3,648
<TOTAL-ASSETS>                                                                            461,133
<DEPOSITS>                                                                                371,549
<SHORT-TERM>                                                                               15,440
<LIABILITIES-OTHER>                                                                         2,869
<LONG-TERM>                                                                                17,878
<COMMON>                                                                                       29
<PREFERRED-MANDATORY>                                                                           0
<PREFERRED>                                                                                     0
<OTHER-SE>                                                                                 53,368
<TOTAL-LIABILITIES-AND-EQUITY>                                                            461,133
<INTEREST-LOAN>                                                                             9,142
<INTEREST-INVEST>                                                                           4,591
<INTEREST-OTHER>                                                                              277
<INTEREST-TOTAL>                                                                           14,010
<INTEREST-DEPOSIT>                                                                          5,763
<INTEREST-EXPENSE>                                                                          6,452
<INTEREST-INCOME-NET>                                                                       7,558
<LOAN-LOSSES>                                                                                 102
<SECURITIES-GAINS>                                                                             42
<EXPENSE-OTHER>                                                                             9,400
<INCOME-PRETAX>                                                                             4,513
<INCOME-PRE-EXTRAORDINARY>                                                                  4,513
<EXTRAORDINARY>                                                                                 0
<CHANGES>                                                                                       0
<NET-INCOME>                                                                                3,128
<EPS-BASIC>                                                                                1.13
<EPS-DILUTED>                                                                                1.12
<YIELD-ACTUAL>                                                                               3.17
<LOANS-NON>                                                                                   299
<LOANS-PAST>                                                                                2,857
<LOANS-TROUBLED>                                                                                0
<LOANS-PROBLEM>                                                                             1,371
<ALLOWANCE-OPEN>                                                                            3,573
<CHARGE-OFFS>                                                                                  92
<RECOVERIES>                                                                                   65
<ALLOWANCE-CLOSE>                                                                           3,348
<ALLOWANCE-DOMESTIC>                                                                        2,783
<ALLOWANCE-FOREIGN>                                                                             0
<ALLOWANCE-UNALLOCATED>                                                                       865


</TABLE>