<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>                                          15,191
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                22,031
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    209,794
<INVESTMENTS-CARRYING>                          20,069
<INVESTMENTS-MARKET>                            20,524
<LOANS>                                        339,270
<ALLOWANCE>                                      4,208
<TOTAL-ASSETS>                                 648,568
<DEPOSITS>                                     514,209
<SHORT-TERM>                                     8,090
<LIABILITIES-OTHER>                              4,329
<LONG-TERM>                                     68,386
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           985
<OTHER-SE>                                      52,569
<TOTAL-LIABILITIES-AND-EQUITY>                 648,568
<INTEREST-LOAN>                                 15,914
<INTEREST-INVEST>                                3,407
<INTEREST-OTHER>                                 1,119
<INTEREST-TOTAL>                                20,440
<INTEREST-DEPOSIT>                               8,508
<INTEREST-EXPENSE>                              11,166
<INTEREST-INCOME-NET>                            9,274
<LOAN-LOSSES>                                      996
<SECURITIES-GAINS>                                 473
<EXPENSE-OTHER>                                  7,019
<INCOME-PRETAX>                                  4,043
<INCOME-PRE-EXTRAORDINARY>                       3,023
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,023
<EPS-PRIMARY>                                      .61
<EPS-DILUTED>                                      .60
<YIELD-ACTUAL>                                    4.04<F1>
<LOANS-NON>                                        790
<LOANS-PAST>                                       967
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,144
<CHARGE-OFFS>                                      497
<RECOVERIES>                                       115
<ALLOWANCE-CLOSE>                                4,208<F2>
<ALLOWANCE-DOMESTIC>                             4,208
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Computed on a tax equivalent basis
<F2>Includes allowance acquired through merger
</FN>