<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 67,962 <INT-BEARING-DEPOSITS> 879,319 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 595 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,093,316 <ALLOWANCE> 14,541 <TOTAL-ASSETS> 1,201,331 <DEPOSITS> 891,475 <SHORT-TERM> 215,000 <LIABILITIES-OTHER> 7,119 <LONG-TERM> 40,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 32 <OTHER-SE> 47,705 <TOTAL-LIABILITIES-AND-EQUITY> 1,201,331 <INTEREST-LOAN> 45,636 <INTEREST-INVEST> 1,455 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 47,091 <INTEREST-DEPOSIT> 22,111 <INTEREST-EXPENSE> 27,415 <INTEREST-INCOME-NET> 19,676 <LOAN-LOSSES> 3,235 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,071 <INCOME-PRETAX> 6,899 <INCOME-PRE-EXTRAORDINARY> 5,005 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,005 <EPS-PRIMARY> 1.58 <EPS-DILUTED> 0.88 <YIELD-ACTUAL> 9.30 <LOANS-NON> 22,809 <LOANS-PAST> 16,639 <LOANS-TROUBLED> 36,840 <LOANS-PROBLEM> 45,329 <ALLOWANCE-OPEN> 13,274 <CHARGE-OFFS> 1,968 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 14,541 <ALLOWANCE-DOMESTIC> 14,541 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0