<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                              28,402
<INT-BEARING-DEPOSITS>                               2,622
<FED-FUNDS-SOLD>                                     1,300
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        134,145
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            551,946
<ALLOWANCE>                                          7,103
<TOTAL-ASSETS>                                     774,819
<DEPOSITS>                                         617,107
<SHORT-TERM>                                        21,317
<LIABILITIES-OTHER>                                  7,804
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                            905
<COMMON>                                            28,439
<OTHER-SE>                                          54,924
<TOTAL-LIABILITIES-AND-EQUITY>                     774,819
<INTEREST-LOAN>                                     24,394
<INTEREST-INVEST>                                    3,715
<INTEREST-OTHER>                                       359
<INTEREST-TOTAL>                                    28,468
<INTEREST-DEPOSIT>                                  10,691
<INTEREST-EXPENSE>                                  12,163
<INTEREST-INCOME-NET>                               16,305
<LOAN-LOSSES>                                          880
<SECURITIES-GAINS>                                      10
<EXPENSE-OTHER>                                        662
<INCOME-PRETAX>                                      6,470
<INCOME-PRE-EXTRAORDINARY>                           6,470
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,271
<EPS-BASIC>                                          .37
<EPS-DILUTED>                                          .34
<YIELD-ACTUAL>                                        8.28
<LOANS-NON>                                            534
<LOANS-PAST>                                         2,535
<LOANS-TROUBLED>                                       106
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     6,602
<CHARGE-OFFS>                                          314
<RECOVERIES>                                            65
<ALLOWANCE-CLOSE>                                    7,103
<ALLOWANCE-DOMESTIC>                                 7,103
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,618



</TABLE>