<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>                                          17,913                  20,335
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                20,815                     716
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     29,233                  38,208
<INVESTMENTS-CARRYING>                           5,041                   8,214
<INVESTMENTS-MARKET>                             5,017                   8,192
<LOANS>                                        437,486                 438,358
<ALLOWANCE>                                      9,259                   8,244
<TOTAL-ASSETS>                                 525,602                 521,564
<DEPOSITS>                                     456,355                 442,995
<SHORT-TERM>                                     3,132                   8,951
<LIABILITIES-OTHER>                              5,253                   7,216
<LONG-TERM>                                      7,296                  13,062
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        13,551                   4,514
<OTHER-SE>                                      40,015                  44,826
<TOTAL-LIABILITIES-AND-EQUITY>                 525,602                 521,564
<INTEREST-LOAN>                                 23,629                  21,448
<INTEREST-INVEST>                                1,178                   1,505
<INTEREST-OTHER>                                   410                      75
<INTEREST-TOTAL>                                25,217                  23,028
<INTEREST-DEPOSIT>                               9,223                   8,421
<INTEREST-EXPENSE>                               9,503                   8,972
<INTEREST-INCOME-NET>                           15,714                  14,056
<LOAN-LOSSES>                                      974                   1,224
<SECURITIES-GAINS>                                   0                       2
<EXPENSE-OTHER>                                  9,008                   7,419
<INCOME-PRETAX>                                  7,761                   7,371
<INCOME-PRE-EXTRAORDINARY>                       7,761                   7,371
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,786                   4,586
<EPS-PRIMARY>                                     3.53                    3.39
<EPS-DILUTED>                                     3.51                    3.38
<YIELD-ACTUAL>                                    6.50                    5.89
<LOANS-NON>                                      1,642                     628
<LOANS-PAST>                                     1,760                   1,302
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                 10,357                  10,057
<ALLOWANCE-OPEN>                                 9,154                   7,331
<CHARGE-OFFS>                                    1,908                     551
<RECOVERIES>                                     1,039                     240
<ALLOWANCE-CLOSE>                                9,259                   8,244
<ALLOWANCE-DOMESTIC>                             9,259                   8,244
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0