<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from Form 10-Q
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>                                          21,517
<INT-BEARING-DEPOSITS>                             102
<FED-FUNDS-SOLD>                                     0  
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     66,990
<INVESTMENTS-CARRYING>                          45,792
<INVESTMENTS-MARKET>                            46,346
<LOANS>                                        884,811
<ALLOWANCE>                                      7,459
<TOTAL-ASSETS>                               1,058,207
<DEPOSITS>                                     652,308
<SHORT-TERM>                                   119,561
<LIABILITIES-OTHER>                              9,284
<LONG-TERM>                                    194,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            66
<OTHER-SE>                                      82,480
<TOTAL-LIABILITIES-AND-EQUITY>               1,058,207
<INTEREST-LOAN>                                 31,896
<INTEREST-INVEST>                                4,598
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                36,494
<INTEREST-DEPOSIT>                              11,616
<INTEREST-EXPENSE>                              20,399
<INTEREST-INCOME-NET>                           16,095
<LOAN-LOSSES>                                      745
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,073
<INCOME-PRETAX>                                  6,267
<INCOME-PRE-EXTRAORDINARY>                       6,267
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,692
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                      .68
<YIELD-ACTUAL>                                    3.28
<LOANS-NON>                                      1,491
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   214
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,600
<CHARGE-OFFS>                                      178
<RECOVERIES>                                       292
<ALLOWANCE-CLOSE>                                7,459
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,459