<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 18433 <INT-BEARING-DEPOSITS> 297 <FED-FUNDS-SOLD> 5600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 126346 <INVESTMENTS-CARRYING> 3562 <INVESTMENTS-MARKET> 3595 <LOANS> 343137 <ALLOWANCE> 2837 <TOTAL-ASSETS> 526305 <DEPOSITS> 439026 <SHORT-TERM> 6864 <LIABILITIES-OTHER> 5514 <LONG-TERM> 25950 <PREFERRED-MANDATORY> 0 <PREFERRED> 3070 <COMMON> 8053 <OTHER-SE> 37828 <TOTAL-LIABILITIES-AND-EQUITY> 526305 <INTEREST-LOAN> 14610 <INTEREST-INVEST> 3925 <INTEREST-OTHER> 181 <INTEREST-TOTAL> 18716 <INTEREST-DEPOSIT> 8465 <INTEREST-EXPENSE> 9270 <INTEREST-INCOME-NET> 9446 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 12 <EXPENSE-OTHER> 8446 <INCOME-PRETAX> 3789 <INCOME-PRE-EXTRAORDINARY> 3789 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2531 <EPS-PRIMARY> 1.20 <EPS-DILUTED> 1.13 <YIELD-ACTUAL> 3.97 <LOANS-NON> 1801 <LOANS-PAST> 396 <LOANS-TROUBLED> 1452 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2636 <CHARGE-OFFS> 123 <RECOVERIES> 24 <ALLOWANCE-CLOSE> 2837 <ALLOWANCE-DOMESTIC> 2837 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 631