<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> US DOLLARS
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          48,137
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,984
<INVESTMENTS-CARRYING>                         157,934
<INVESTMENTS-MARKET>                           158,642
<LOANS>                                      1,470,174
<ALLOWANCE>                                      9,431
<TOTAL-ASSETS>                               1,715,164
<DEPOSITS>                                   1,035,323
<SHORT-TERM>                                   423,959
<LIABILITIES-OTHER>                             86,249
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           206
<OTHER-SE>                                     169,427
<TOTAL-LIABILITIES-AND-EQUITY>               1,715,164
<INTEREST-LOAN>                                 60,568
<INTEREST-INVEST>                                4,837
<INTEREST-OTHER>                                   246
<INTEREST-TOTAL>                                65,651
<INTEREST-DEPOSIT>                              21,964
<INTEREST-EXPENSE>                              31,646
<INTEREST-INCOME-NET>                           34,005
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  74
<EXPENSE-OTHER>                                 12,069
<INCOME-PRETAX>                                 22,010
<INCOME-PRE-EXTRAORDINARY>                      12,878
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,878
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     0.94
<YIELD-ACTUAL>                                    8.36
<LOANS-NON>                                      5,589
<LOANS-PAST>                                     1,937
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 9,431
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                9,431
<ALLOWANCE-DOMESTIC>                             9,431
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,431