<ARTICLE>      9
<MULTIPLIER>   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           6,261
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                51,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    148,827
<INVESTMENTS-CARRYING>                          94,324
<INVESTMENTS-MARKET>                            94,444
<LOANS>                                        529,341
<ALLOWANCE>                                     12,566
<TOTAL-ASSETS>                                 835,329
<DEPOSITS>                                     467,465
<SHORT-TERM>                                    78,415
<LIABILITIES-OTHER>                             13,911
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           291
<OTHER-SE>                                     275,247
<TOTAL-LIABILITIES-AND-EQUITY>                 835,329
<INTEREST-LOAN>                                 11,468
<INTEREST-INVEST>                                3,899
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,367
<INTEREST-DEPOSIT>                               5,136
<INTEREST-EXPENSE>                               6,274
<INTEREST-INCOME-NET>                            9,093
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                               1,238
<EXPENSE-OTHER>                                  2,331
<INCOME-PRETAX>                                  8,114
<INCOME-PRE-EXTRAORDINARY>                       5,143
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,143
<EPS-PRIMARY>                                     0.18
<EPS-DILUTED>                                     0.18
<YIELD-ACTUAL>                                    4.40
<LOANS-NON>                                        413
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,287
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,464
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                               12,566
<ALLOWANCE-DOMESTIC>                             7,455
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,111