<ARTICLE>                                                                      9
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<PERIOD-TYPE>                                                                            6-MOS
<FISCAL-YEAR-END>                                                                   DEC-31-1998
<PERIOD-END>                                                                        JUN-30-1998
<CASH>                                                                              75,618
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<TRADING-ASSETS>                                                                         0
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<ALLOWANCE>                                                                          9,488
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<PREFERRED>                                                                              0
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<OTHER-SE>                                                                          68,296
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<INCOME-PRE-EXTRAORDINARY>                                                          10,990
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
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<EPS-PRIMARY>                                                                            1.27
<EPS-DILUTED>                                                                            1.26
<YIELD-ACTUAL>                                                                           4.55
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<LOANS-PAST>                                                                           186
<LOANS-TROUBLED>                                                                         0
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<RECOVERIES>                                                                           577
<ALLOWANCE-CLOSE>                                                                    9,488
<ALLOWANCE-DOMESTIC>                                                                 9,488
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0