<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1997
<CASH>                                           6,109                  17,348
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<FED-FUNDS-SOLD>                                     0                       0
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<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
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<ALLOWANCE>                                     (7,937)                 (6,687)
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<COMMON>                                         1,377                   1,377
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<TOTAL-LIABILITIES-AND-EQUITY>               1,013,178                 916,322
<INTEREST-LOAN>                                 32,913                  33,072
<INTEREST-INVEST>                                7,377                   3,692
<INTEREST-OTHER>                                   245                     198
<INTEREST-TOTAL>                                40,535                  36,962
<INTEREST-DEPOSIT>                              19,164                  18,352
<INTEREST-EXPENSE>                              25,302                  23,112
<INTEREST-INCOME-NET>                           15,233                  13,850
<LOAN-LOSSES>                                    1,524                   1,519
<SECURITIES-GAINS>                               4,767                     589
<EXPENSE-OTHER>                                 23,355                  10,201
<INCOME-PRETAX>                                  5,988                   6,000
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,515                   3,271
<EPS-PRIMARY>                                     2.55                    2.38
<EPS-DILUTED>                                     2.55                    2.38
<YIELD-ACTUAL>                                    3.22                    3.35
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<LOANS-PAST>                                         0                       0
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<ALLOWANCE-OPEN>                                 7,333                   5,904
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<ALLOWANCE-DOMESTIC>                             7,937                   6,687
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0