<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q filed as of June 30, 1998.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          28,621
<INT-BEARING-DEPOSITS>                           3,382
<FED-FUNDS-SOLD>                                52,750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    208,962
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        533,264
<ALLOWANCE>                                      9,171
<TOTAL-ASSETS>                                 866,344
<DEPOSITS>                                     615,831
<SHORT-TERM>                                    31,370
<LIABILITIES-OTHER>                              7,712
<LONG-TERM>                                     44,121
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,578
<OTHER-SE>                                      31,411
<TOTAL-LIABILITIES-AND-EQUITY>                 866,344
<INTEREST-LOAN>                                 24,154
<INTEREST-INVEST>                                5,611
<INTEREST-OTHER>                                 1,334
<INTEREST-TOTAL>                                31,099
<INTEREST-DEPOSIT>                              12,301
<INTEREST-EXPENSE>                              14,851
<INTEREST-INCOME-NET>                           16,248
<LOAN-LOSSES>                                    1,242
<SECURITIES-GAINS>                                 431
<EXPENSE-OTHER>                                 10,858
<INCOME-PRETAX>                                  7,787
<INCOME-PRE-EXTRAORDINARY>                       5,176
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,176
<EPS-PRIMARY>                                     0.90
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    4.58
<LOANS-NON>                                      1,013
<LOANS-PAST>                                       478
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,356
<CHARGE-OFFS>                                      706
<RECOVERIES>                                       279
<ALLOWANCE-CLOSE>                                9,171
<ALLOWANCE-DOMESTIC>                             9,171
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,936