<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-30-2000
<CASH> 25,379
<INT-BEARING-DEPOSITS> 2
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 43,651
<INVESTMENTS-CARRYING> 344,013
<INVESTMENTS-MARKET> 332,504
<LOANS> 297,704
<ALLOWANCE> 3,868
<TOTAL-ASSETS> 761,244
<DEPOSITS> 614,437
<SHORT-TERM> 0
<LIABILITIES-OTHER> 5,836
<LONG-TERM> 96,306
0
0
<COMMON> 790
<OTHER-SE> 43,876
<TOTAL-LIABILITIES-AND-EQUITY> 761,244
<INTEREST-LOAN> 11,645
<INTEREST-INVEST> 10,105
<INTEREST-OTHER> 4,018
<INTEREST-TOTAL> 25,768
<INTEREST-DEPOSIT> 10,000
<INTEREST-EXPENSE> 13,266
<INTEREST-INCOME-NET> 12,502
<LOAN-LOSSES> 120
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,249
<INCOME-PRETAX> 4,134
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,649
<EPS-BASIC> 0.38
<EPS-DILUTED> 0.37
<YIELD-ACTUAL> 3.36
<LOANS-NON> 2,752
<LOANS-PAST> 0
<LOANS-TROUBLED> 116
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,841
<CHARGE-OFFS> 109
<RECOVERIES> 15
<ALLOWANCE-CLOSE> 3,868
<ALLOWANCE-DOMESTIC> 3,868
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 3,417
</TABLE>