<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR THE QUARTERLY PERIOD ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.


<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          18,065
<INT-BEARING-DEPOSITS>                           7,216
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     66,487
<INVESTMENTS-CARRYING>                          57,128
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        326,620
<ALLOWANCE>                                      3,049
<TOTAL-ASSETS>                                 489,502
<DEPOSITS>                                     405,644
<SHORT-TERM>                                    21,307
<LIABILITIES-OTHER>                              4,567
<LONG-TERM>                                      7,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,911
<OTHER-SE>                                      38,073
<TOTAL-LIABILITIES-AND-EQUITY>                 489,502
<INTEREST-LOAN>                                 13,658
<INTEREST-INVEST>                                3,676
<INTEREST-OTHER>                                   182
<INTEREST-TOTAL>                                17,516
<INTEREST-DEPOSIT>                               7,427
<INTEREST-EXPENSE>                               7,845
<INTEREST-INCOME-NET>                            9,671
<LOAN-LOSSES>                                      218
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,360
<INCOME-PRETAX>                                  4,128
<INCOME-PRE-EXTRAORDINARY>                       4,128
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,836
<EPS-BASIC>                                       0.56
<EPS-DILUTED>                                     0.55
<YIELD-ACTUAL>                                    4.31
<LOANS-NON>                                        698
<LOANS-PAST>                                       655
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,954
<CHARGE-OFFS>                                      191
<RECOVERIES>                                        68
<ALLOWANCE-CLOSE>                                3,049
<ALLOWANCE-DOMESTIC>                             2,750
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            299