<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE REGISTRANT'S JUNE 30, 1998 UNAUDITED BALANCE SHEET, INCOME STATEMENT
AND CASH FLOW STATEMENT, AND NOTES THERETO, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                      12,696,000
<INT-BEARING-DEPOSITS>                       8,529,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             2,281,000
<INVESTMENTS-HELD-FOR-SALE>                187,541,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    418,388,000
<ALLOWANCE>                                  5,374,000
<TOTAL-ASSETS>                             651,825,000
<DEPOSITS>                                 458,450,000
<SHORT-TERM>                               136,260,000
<LIABILITIES-OTHER>                          1,974,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,000
<OTHER-SE>                                  55,116,000
<TOTAL-LIABILITIES-AND-EQUITY>             651,825,000
<INTEREST-LOAN>                              8,214,000
<INTEREST-INVEST>                            3,134,000
<INTEREST-OTHER>                               295,000
<INTEREST-TOTAL>                            11,643,000
<INTEREST-DEPOSIT>                           4,385,000
<INTEREST-EXPENSE>                           6,686,000
<INTEREST-INCOME-NET>                        4,957,000
<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                           (163,000)
<EXPENSE-OTHER>                              4,337,000
<INCOME-PRETAX>                              1,796,000
<INCOME-PRE-EXTRAORDINARY>                   1,796,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,158,000
<EPS-PRIMARY>                                     0.49
<EPS-DILUTED>                                     0.46
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                  3,647,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              7,500,000
<ALLOWANCE-OPEN>                             5,577,000
<CHARGE-OFFS>                                  464,000
<RECOVERIES>                                   111,000
<ALLOWANCE-CLOSE>                            5,374,000
<ALLOWANCE-DOMESTIC>                         5,374,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0