<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 14,390 <INT-BEARING-DEPOSITS> 12,803 <FED-FUNDS-SOLD> 8,475 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 363,264 <ALLOWANCE> 1,719 <TOTAL-ASSETS> 472,437 <DEPOSITS> 263,106 <SHORT-TERM> 106,534 <LIABILITIES-OTHER> 33,079 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 59,718 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 472,437 <INTEREST-LOAN> 15,362 <INTEREST-INVEST> 147 <INTEREST-OTHER> 3,962 <INTEREST-TOTAL> 19,471 <INTEREST-DEPOSIT> 6,881 <INTEREST-EXPENSE> 10,894 <INTEREST-INCOME-NET> 8,577 <LOAN-LOSSES> 1,630 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,740 <INCOME-PRETAX> 8,462 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,868 <EPS-PRIMARY> 0.74 <EPS-DILUTED> 0.71 <YIELD-ACTUAL> 9.73 <LOANS-NON> 7,484 <LOANS-PAST> 7,484 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,573 <CHARGE-OFFS> 2,588 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 1,719 <ALLOWANCE-DOMESTIC> 1,719 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,477