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<TABLE> <S> <C>
<ARTICLE> 9
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<CURRENCY> U.S.Dollars
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> JUN-30-1999
<EXCHANGE-RATE> 1
<CASH> 27,066
<INT-BEARING-DEPOSITS> 31,127
<FED-FUNDS-SOLD> 0
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<TOTAL-ASSETS> 411,078
<DEPOSITS> 344,601
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<LIABILITIES-OTHER> 2,333
<LONG-TERM> 24,638
0
0
<COMMON> 25,824
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<INTEREST-TOTAL> 14,458
<INTEREST-DEPOSIT> 4,506
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<ALLOWANCE-DOMESTIC> 3,770
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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