<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-1999
<CASH> 20,200
<INT-BEARING-DEPOSITS> 173,602
<FED-FUNDS-SOLD> 81,538
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 58,323
<INVESTMENTS-CARRYING> 44,752
<INVESTMENTS-MARKET> 38,563
<LOANS> 1,130,761
<ALLOWANCE> 12,700
<TOTAL-ASSETS> 1,592,737
<DEPOSITS> 1,412,988
<SHORT-TERM> 0
<LIABILITIES-OTHER> 44,823
<LONG-TERM> 12,650
0
0
<COMMON> 101
<OTHER-SE> 122,175
<TOTAL-LIABILITIES-AND-EQUITY> 1,592,737
<INTEREST-LOAN> 51,136
<INTEREST-INVEST> 4,499
<INTEREST-OTHER> 7,844
<INTEREST-TOTAL> 63,479
<INTEREST-DEPOSIT> 35,014
<INTEREST-EXPENSE> 35,773
<INTEREST-INCOME-NET> 27,706
<LOAN-LOSSES> 2,646
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 14,630
<INCOME-PRETAX> 19,819
<INCOME-PRE-EXTRAORDINARY> 19,819
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 12,501
<EPS-BASIC> 1.24
<EPS-DILUTED> 1.24
<YIELD-ACTUAL> 3.04
<LOANS-NON> 9,824
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 12,794
<CHARGE-OFFS> 2,741
<RECOVERIES> 1
<ALLOWANCE-CLOSE> 12,700
<ALLOWANCE-DOMESTIC> 4,445
<ALLOWANCE-FOREIGN> 8,255
<ALLOWANCE-UNALLOCATED> 12,700
</TABLE>