<ARTICLE> 9 <LEGEND> This schedule contains financial information extracted from the second quarter 10-Q and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 47,024 <INT-BEARING-DEPOSITS> 257 <FED-FUNDS-SOLD> 166 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 82,523 <INVESTMENTS-CARRYING> 227,604 <INVESTMENTS-MARKET> 229,631 <LOANS> 491,706 <ALLOWANCE> 5,382 <TOTAL-ASSETS> 894,292 <DEPOSITS> 696,171 <SHORT-TERM> 96,241 <LIABILITIES-OTHER> 6,466 <LONG-TERM> 44,625 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,453 <OTHER-SE> 49,336 <TOTAL-LIABILITIES-AND-EQUITY> 894,292 <INTEREST-LOAN> 21,672 <INTEREST-INVEST> 8,843 <INTEREST-OTHER> 335 <INTEREST-TOTAL> 30,850 <INTEREST-DEPOSIT> 13,740 <INTEREST-EXPENSE> 17,393 <INTEREST-INCOME-NET> 13,457 <LOAN-LOSSES> 240 <SECURITIES-GAINS> 519 <EXPENSE-OTHER> 12,512 <INCOME-PRETAX> 5,876 <INCOME-PRE-EXTRAORDINARY> 4,037 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,037 <EPS-PRIMARY> .69 <EPS-DILUTED> .69 <YIELD-ACTUAL> 3.53 <LOANS-NON> 2,455 <LOANS-PAST> 298 <LOANS-TROUBLED> 1,327 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,308 <CHARGE-OFFS> 224 <RECOVERIES> 58 <ALLOWANCE-CLOSE> 5,382 <ALLOWANCE-DOMESTIC> 2,613 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,769