<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AT JUNE 30, 1998 AND DECEMBER 31, 1997 AND THE CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE 30, 1998 AND 1997 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-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 9,243 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 211,369 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 470,848 <ALLOWANCE> (2,892) <TOTAL-ASSETS> 725,180 <DEPOSITS> 467,133 <SHORT-TERM> 43,536 <LIABILITIES-OTHER> 9,314 <LONG-TERM> 134,400 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 91 <OTHER-SE> 70,706 <TOTAL-LIABILITIES-AND-EQUITY> 725,180 <INTEREST-LOAN> 17,440 <INTEREST-INVEST> 6,563 <INTEREST-OTHER> 544 <INTEREST-TOTAL> 24,547 <INTEREST-DEPOSIT> 11,425 <INTEREST-EXPENSE> 15,964 <INTEREST-INCOME-NET> 8,583 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 8,433 <EXPENSE-OTHER> 6,696 <INCOME-PRETAX> 3,917 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,447 <EPS-PRIMARY> .47 <EPS-DILUTED> .43 <YIELD-ACTUAL> 7.24 <LOANS-NON> 317 <LOANS-PAST> 309 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 57 <ALLOWANCE-OPEN> 2,748 <CHARGE-OFFS> (8) <RECOVERIES> 2 <ALLOWANCE-CLOSE> 2,892 <ALLOWANCE-DOMESTIC> 700 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,192