<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED JUNE 30, 1998 AS PRESENTED IN ITS SECOND QUARTER 1998 FORM 10-Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          29,610
<INT-BEARING-DEPOSITS>                           1,325
<FED-FUNDS-SOLD>                                   500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    210,616
<INVESTMENTS-CARRYING>                           8,357
<INVESTMENTS-MARKET>                             8,357
<LOANS>                                        318,972
<ALLOWANCE>                                      4,315
<TOTAL-ASSETS>                                 593,079
<DEPOSITS>                                     471,762
<SHORT-TERM>                                    36,306
<LIABILITIES-OTHER>                             11,121
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      63,847
<TOTAL-LIABILITIES-AND-EQUITY>                 593,079
<INTEREST-LOAN>                                 13,504
<INTEREST-INVEST>                                6,245
<INTEREST-OTHER>                                   424
<INTEREST-TOTAL>                                20,173
<INTEREST-DEPOSIT>                               7,598
<INTEREST-EXPENSE>                               8,551
<INTEREST-INCOME-NET>                           11,622
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                 147
<EXPENSE-OTHER>                                 10,114
<INCOME-PRETAX>                                  4,944
<INCOME-PRE-EXTRAORDINARY>                       3,381
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,381
<EPS-PRIMARY>                                      .82
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    4.54
<LOANS-NON>                                        854
<LOANS-PAST>                                       955
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,145
<CHARGE-OFFS>                                      302
<RECOVERIES>                                        72
<ALLOWANCE-CLOSE>                                4,315
<ALLOWANCE-DOMESTIC>                             1,505
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,810