<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 12,508 <INT-BEARING-DEPOSITS> 1 <FED-FUNDS-SOLD> 13,531 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 436,580 <INVESTMENTS-CARRYING> 57,811 <INVESTMENTS-MARKET> 0 <LOANS> 578,519 <ALLOWANCE> (6,875) <TOTAL-ASSETS> 1,135,299 <DEPOSITS> 833,398 <SHORT-TERM> 67,653 <LIABILITIES-OTHER> 11,305 <LONG-TERM> 121,445 <COMMON> 2,281 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 99,217 <TOTAL-LIABILITIES-AND-EQUITY> 1,135,299 <INTEREST-LOAN> 23,090 <INTEREST-INVEST> 15,374 <INTEREST-OTHER> 98 <INTEREST-TOTAL> 38,562 <INTEREST-DEPOSIT> 15,622 <INTEREST-EXPENSE> 21,113 <INTEREST-INCOME-NET> 17,374 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 910 <EXPENSE-OTHER> 9,352 <INCOME-PRETAX> 10,635 <INCOME-PRE-EXTRAORDINARY> 10,635 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,485 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.36 <YIELD-ACTUAL> 7.17 <LOANS-NON> 1,984 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,733 <CHARGE-OFFS> 152 <RECOVERIES> 219 <ALLOWANCE-CLOSE> 6,875 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0