<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