<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> JUN-30-1999
<CASH> 20,484
<INT-BEARING-DEPOSITS> 9,098
<FED-FUNDS-SOLD> 4,725
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 87,890
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 464,553
<ALLOWANCE> 5,362
<TOTAL-ASSETS> 612,625
<DEPOSITS> 497,298
<SHORT-TERM> 8,358
<LIABILITIES-OTHER> 5,163
<LONG-TERM> 34,040
0
0
<COMMON> 1,217
<OTHER-SE> 66,548
<TOTAL-LIABILITIES-AND-EQUITY> 612,625
<INTEREST-LOAN> 20,874
<INTEREST-INVEST> 2,717
<INTEREST-OTHER> 630
<INTEREST-TOTAL> 24,221
<INTEREST-DEPOSIT> 9,978
<INTEREST-EXPENSE> 11,277
<INTEREST-INCOME-NET> 12,944
<LOAN-LOSSES> 361
<SECURITIES-GAINS> (24)
<EXPENSE-OTHER> 9,176
<INCOME-PRETAX> 6,279
<INCOME-PRE-EXTRAORDINARY> 6,279
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,174
<EPS-BASIC> 0.43
<EPS-DILUTED> 0.43
<YIELD-ACTUAL> 4.65
<LOANS-NON> 1,698
<LOANS-PAST> 1,509
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5,172
<CHARGE-OFFS> 218
<RECOVERIES> 48
<ALLOWANCE-CLOSE> 5,362
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
