<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BANK'S
BALANCE SHEET AS OF JUNE 30, 1998, AND STATEMENT OF EARNINGS FOR THE SIX MONTHS
ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          21,582
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               223,453
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    508,353
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        969,394
<ALLOWANCE>                                     14,213
<TOTAL-ASSETS>                               1,808,713
<DEPOSITS>                                   1,239,280
<SHORT-TERM>                                   155,953
<LIABILITIES-OTHER>                             16,255
<LONG-TERM>                                    257,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,775
<OTHER-SE>                                     116,450
<TOTAL-LIABILITIES-AND-EQUITY>               1,808,713
<INTEREST-LOAN>                                 41,139
<INTEREST-INVEST>                               10,610
<INTEREST-OTHER>                                 7,248
<INTEREST-TOTAL>                                58,997
<INTEREST-DEPOSIT>                              25,065
<INTEREST-EXPENSE>                              33,346
<INTEREST-INCOME-NET>                           25,651
<LOAN-LOSSES>                                    3,325
<SECURITIES-GAINS>                                 408
<EXPENSE-OTHER>                                 15,994
<INCOME-PRETAX>                                 10,609
<INCOME-PRE-EXTRAORDINARY>                       6,845
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,845
<EPS-PRIMARY>                                     0.29
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    8.42
<LOANS-NON>                                      4,378
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 6,279
<LOANS-PROBLEM>                                  1,541
<ALLOWANCE-OPEN>                                12,273
<CHARGE-OFFS>                                    2,162
<RECOVERIES>                                       777
<ALLOWANCE-CLOSE>                               14,213
<ALLOWANCE-DOMESTIC>                            14,213
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,620