<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> U.S. Dollars <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> Dec-31-1998 <PERIOD-START> Jan-01-1998 <PERIOD-END> Jun-30-1998 <EXCHANGE-RATE> 1 <CASH> 28209 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 195912 <INVESTMENTS-CARRYING> 29066 <INVESTMENTS-MARKET> 29737 <LOANS> 684308 <ALLOWANCE> 5719 <TOTAL-ASSETS> 972717 <DEPOSITS> 866652 <SHORT-TERM> 18899 <LIABILITIES-OTHER> 4273 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 82375 <TOTAL-LIABILITIES-AND-EQUITY> 972717 <INTEREST-LOAN> 26710 <INTEREST-INVEST> 6747 <INTEREST-OTHER> 500 <INTEREST-TOTAL> 33957 <INTEREST-DEPOSIT> 13483 <INTEREST-EXPENSE> 13957 <INTEREST-INCOME-NET> 20000 <LOAN-LOSSES> 900 <SECURITIES-GAINS> 244 <EXPENSE-OTHER> 17890 <INCOME-PRETAX> 7193 <INCOME-PRE-EXTRAORDINARY> 4537 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4537 <EPS-PRIMARY> 0.88 <EPS-DILUTED> 0.86 <YIELD-ACTUAL> 7.70 <LOANS-NON> 1465 <LOANS-PAST> 510 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5363 <CHARGE-OFFS> 734 <RECOVERIES> 190 <ALLOWANCE-CLOSE> 5719 <ALLOWANCE-DOMESTIC> 5719 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0