<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> 38,401 <INT-BEARING-DEPOSITS> 2,700 <FED-FUNDS-SOLD> 32,940 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 128,287 <INVESTMENTS-CARRYING> 9,915 <INVESTMENTS-MARKET> 10,141 <LOANS> 587,197 <ALLOWANCE> 6,917 <TOTAL-ASSETS> 838,892 <DEPOSITS> 687,585 <SHORT-TERM> 32,797 <LIABILITIES-OTHER> 4,669 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,722 <OTHER-SE> 94,119 <TOTAL-LIABILITIES-AND-EQUITY> 838,892 <INTEREST-LOAN> 26,038 <INTEREST-INVEST> 4,150 <INTEREST-OTHER> 1,534 <INTEREST-TOTAL> 31,722 <INTEREST-DEPOSIT> 11,200 <INTEREST-EXPENSE> 12,034 <INTEREST-INCOME-NET> 19,688 <LOAN-LOSSES> 400 <SECURITIES-GAINS> 86 <EXPENSE-OTHER> 11,463 <INCOME-PRETAX> 11,731 <INCOME-PRE-EXTRAORDINARY> 11,731 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,721 <EPS-PRIMARY> .64 <EPS-DILUTED> .63 <YIELD-ACTUAL> 8.37 <LOANS-NON> 2,524 <LOANS-PAST> 2,335 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,118 <ALLOWANCE-OPEN> 6,254 <CHARGE-OFFS> 763 <RECOVERIES> 1,026 <ALLOWANCE-CLOSE> 6,917 <ALLOWANCE-DOMESTIC> 4,381 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,536