<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1998, CONSOLIDATED BALANCE SHEET, AND THE JUNE 30, 1998, CONSOLIDATED STATEMENT
OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          76,313
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    560,847
<INVESTMENTS-CARRYING>                          57,327
<INVESTMENTS-MARKET>                            58,840
<LOANS>                                        636,533
<ALLOWANCE>                                     12,810
<TOTAL-ASSETS>                               1,381,317
<DEPOSITS>                                   1,104,460
<SHORT-TERM>                                   135,000
<LIABILITIES-OTHER>                             32,251
<LONG-TERM>                                        416
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,404
<OTHER-SE>                                      46,786
<TOTAL-LIABILITIES-AND-EQUITY>               1,381,317
<INTEREST-LOAN>                                 30,179
<INTEREST-INVEST>                               16,287
<INTEREST-OTHER>                                   248
<INTEREST-TOTAL>                                46,714
<INTEREST-DEPOSIT>                              11,716
<INTEREST-EXPENSE>                              14,660
<INTEREST-INCOME-NET>                           32,054
<LOAN-LOSSES>                                    1,300
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                 22,564
<INCOME-PRETAX>                                 15,655
<INCOME-PRE-EXTRAORDINARY>                       9,842
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,842
<EPS-PRIMARY>                                     0.65
<EPS-DILUTED>                                     0.63
<YIELD-ACTUAL>                                    5.57
<LOANS-NON>                                      4,828
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,874
<ALLOWANCE-OPEN>                                11,522
<CHARGE-OFFS>                                      192
<RECOVERIES>                                       180
<ALLOWANCE-CLOSE>                               12,810
<ALLOWANCE-DOMESTIC>                             8,862
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,948