<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <EXCHANGE-RATE> 1 <CASH> 30,432 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,483 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 300,329 <INVESTMENTS-CARRYING> 29,012 <INVESTMENTS-MARKET> 29,966 <LOANS> 764,564 <ALLOWANCE> (6,662) <TOTAL-ASSETS> 1,173,066 <DEPOSITS> 772,681 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,111 <LONG-TERM> 307,401 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 63,920 <OTHER-SE> 23,953 <TOTAL-LIABILITIES-AND-EQUITY> 1,173,066 <INTEREST-LOAN> 33,182 <INTEREST-INVEST> 9,411 <INTEREST-OTHER> 71 <INTEREST-TOTAL> 42,664 <INTEREST-DEPOSIT> 17,083 <INTEREST-EXPENSE> 24,505 <INTEREST-INCOME-NET> 18,159 <LOAN-LOSSES> 625 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 15,243 <INCOME-PRETAX> 7,348 <INCOME-PRE-EXTRAORDINARY> 5,035 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,035 <EPS-PRIMARY> .63 <EPS-DILUTED> .63 <YIELD-ACTUAL> 8.34 <LOANS-NON> 242 <LOANS-PAST> 2,562 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,617 <CHARGE-OFFS> (901) <RECOVERIES> 321 <ALLOWANCE-CLOSE> 6,662 <ALLOWANCE-DOMESTIC> 6,662 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0