<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 43,561 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 190 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 90,794 <INVESTMENTS-CARRYING> 25,259 <INVESTMENTS-MARKET> 25,793 <LOANS> 503,856 <ALLOWANCE> 10,497 <TOTAL-ASSETS> 699,893 <DEPOSITS> 608,570 <SHORT-TERM> 16,583 <LIABILITIES-OTHER> 6,210 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,525 <OTHER-SE> 62,560 <TOTAL-LIABILITIES-AND-EQUITY> 699,893 <INTEREST-LOAN> 25,400 <INTEREST-INVEST> 3,868 <INTEREST-OTHER> 334 <INTEREST-TOTAL> 29,602 <INTEREST-DEPOSIT> 12,636 <INTEREST-EXPENSE> 13,197 <INTEREST-INCOME-NET> 16,405 <LOAN-LOSSES> 3,320 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 14,328 <INCOME-PRETAX> 2,868 <INCOME-PRE-EXTRAORDINARY> 2,868 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,853 <EPS-PRIMARY> .26 <EPS-DILUTED> .25 <YIELD-ACTUAL> 5.28 <LOANS-NON> 15,499 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 15,499 <ALLOWANCE-OPEN> 7,627 <CHARGE-OFFS> 863 <RECOVERIES> 413 <ALLOWANCE-CLOSE> 10,497 <ALLOWANCE-DOMESTIC> 10,497 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,497