<ARTICLE> 9
<CIK> 0000275119
<NAME> FINANCIAL DATA SCHEDULE

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          14,879
<INT-BEARING-DEPOSITS>                             153
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    127,972
<INVESTMENTS-CARRYING>                          17,818
<INVESTMENTS-MARKET>                            17,797
<LOANS>                                        419,364
<ALLOWANCE>                                      8,243
<TOTAL-ASSETS>                                 611,592
<DEPOSITS>                                     489,806
<SHORT-TERM>                                    70,096
<LIABILITIES-OTHER>                              5,862
<LONG-TERM>                                        264
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        18,656
<OTHER-SE>                                      26,908
<TOTAL-LIABILITIES-AND-EQUITY>                 611,592
<INTEREST-LOAN>                                 18,108
<INTEREST-INVEST>                                4,132
<INTEREST-OTHER>                                   239
<INTEREST-TOTAL>                                22,479
<INTEREST-DEPOSIT>                               9,676
<INTEREST-EXPENSE>                              11,353
<INTEREST-INCOME-NET>                           11,126
<LOAN-LOSSES>                                      345
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,444
<INCOME-PRETAX>                                  4,559
<INCOME-PRE-EXTRAORDINARY>                       4,559
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,173
<EPS-BASIC>                                        .86
<EPS-DILUTED>                                      .83
<YIELD-ACTUAL>                                    8.41
<LOANS-NON>                                      8,996
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 3,840
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,035
<CHARGE-OFFS>                                    3,947
<RECOVERIES>                                       810
<ALLOWANCE-CLOSE>                                8,243
<ALLOWANCE-DOMESTIC>                             8,243
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0