<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 37,482 <INT-BEARING-DEPOSITS> 395 <FED-FUNDS-SOLD> 37,681 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 274,910 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 862,278 <ALLOWANCE> 8,758 <TOTAL-ASSETS> 1,249,045 <DEPOSITS> 1,027,091 <SHORT-TERM> 0 <LIABILITIES-OTHER> 74,729 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,491 <OTHER-SE> 145,734 <TOTAL-LIABILITIES-AND-EQUITY> 1,249,045 <INTEREST-LOAN> 37,338 <INTEREST-INVEST> 7,508 <INTEREST-OTHER> 823 <INTEREST-TOTAL> 45,669 <INTEREST-DEPOSIT> 19,919 <INTEREST-EXPENSE> 21,502 <INTEREST-INCOME-NET> 24,167 <LOAN-LOSSES> 1,012 <SECURITIES-GAINS> 55 <EXPENSE-OTHER> 15,664 <INCOME-PRETAX> 13,520 <INCOME-PRE-EXTRAORDINARY> 8,807 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,807 <EPS-BASIC> 0.74 <EPS-DILUTED> 0.73 <YIELD-ACTUAL> 4.46 <LOANS-NON> 2297 <LOANS-PAST> 1365 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,429 <CHARGE-OFFS> 914 <RECOVERIES> 231 <ALLOWANCE-CLOSE> 8,758 <ALLOWANCE-DOMESTIC> 8,758 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0