<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                           9,424
<INT-BEARING-DEPOSITS>                             364
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     89,753
<INVESTMENTS-CARRYING>                          27,028
<INVESTMENTS-MARKET>                            26,448
<LOANS>                                        462,265
<ALLOWANCE>                                      4,271
<TOTAL-ASSETS>                                 603,753
<DEPOSITS>                                     409,321
<SHORT-TERM>                                   143,669
<LIABILITIES-OTHER>                              5,495
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      45,218
<TOTAL-LIABILITIES-AND-EQUITY>                 603,753
<INTEREST-LOAN>                                 19,881
<INTEREST-INVEST>                                3,708
<INTEREST-OTHER>                                   669
<INTEREST-TOTAL>                                24,258
<INTEREST-DEPOSIT>                               9,882
<INTEREST-EXPENSE>                              14,533
<INTEREST-INCOME-NET>                            9,725
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,150
<INCOME-PRETAX>                                  3,267
<INCOME-PRE-EXTRAORDINARY>                       3,267
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,039
<EPS-PRIMARY>                                     0.41
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    8.07
<LOANS-NON>                                      5,148
<LOANS-PAST>                                        44
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,770
<ALLOWANCE-OPEN>                                 4,293
<CHARGE-OFFS>                                       25
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                4,271
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,271