<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 58,964 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 567,559 <INVESTMENTS-MARKET> 567,559 <LOANS> 1,058,535 <ALLOWANCE> 15,452 <TOTAL-ASSETS> 1,731,419 <DEPOSITS> 133,966 <SHORT-TERM> 225,030 <LIABILITIES-OTHER> 19,310 <LONG-TERM> 41,382 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 174,323 <TOTAL-LIABILITIES-AND-EQUITY> 1,731,419 <INTEREST-LOAN> 45,755 <INTEREST-INVEST> 17,308 <INTEREST-OTHER> 522 <INTEREST-TOTAL> 63,585 <INTEREST-DEPOSIT> 25,076 <INTEREST-EXPENSE> 32,659 <INTEREST-INCOME-NET> 30,926 <LOAN-LOSSES> 2,956 <SECURITIES-GAINS> 391 <EXPENSE-OTHER> 21,203 <INCOME-PRETAX> 11,708 <INCOME-PRE-EXTRAORDINARY> 11,708 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,670 <EPS-PRIMARY> 1.20 <EPS-DILUTED> 1.20 <YIELD-ACTUAL> 4.14 <LOANS-NON> 4,243 <LOANS-PAST> 5,539 <LOANS-TROUBLED> 7 <LOANS-PROBLEM> 144 <ALLOWANCE-OPEN> 14,473 <CHARGE-OFFS> 2,591 <RECOVERIES> 614 <ALLOWANCE-CLOSE> 15,452 <ALLOWANCE-DOMESTIC> 15,452 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0