<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>