<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 6-MOS YEAR YEAR <FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997 DEC-31-1996 <PERIOD-START> JAN-01-1998 JAN-01-1997 JAN-01-1996 <PERIOD-END> JUN-30-1998 DEC-31-1997 DEC-31-1996 <EXCHANGE-RATE> 1 1 1 <CASH> 20,063 17,979 15,219 <INT-BEARING-DEPOSITS> 4,002 3,335 69 <FED-FUNDS-SOLD> 19,483 9,904 14,705 <TRADING-ASSETS> 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 45,475 41,612 25,626 <INVESTMENTS-CARRYING> 62,114 71,012 78,054 <INVESTMENTS-MARKET> 62,876 72,006 77,697 <LOANS> 366,361 348,910 276,315 <ALLOWANCE> 5,395 3,569 2,141 <TOTAL-ASSETS> 527,624 505,051 426,987 <DEPOSITS> 487,027 445,859 381,289 <SHORT-TERM> 132 11,611 5,766 <LIABILITIES-OTHER> 6,426 7,075 5,734 <LONG-TERM> 0 10,000 8,800 <PREFERRED-MANDATORY> 0 0 0 <PREFERRED> 0 0 0 <COMMON> 5,655 5,655 5,364 <OTHER-SE> 28,384 24,851 20,034 <TOTAL-LIABILITIES-AND-EQUITY> 527,624 505,051 426,987 <INTEREST-LOAN> 19,014 33,028 23,884 <INTEREST-INVEST> 3,531 7,129 6,920 <INTEREST-OTHER> 774 998 719 <INTEREST-TOTAL> 23,319 41,155 31,523 <INTEREST-DEPOSIT> 9,681 17,115 13,285 <INTEREST-EXPENSE> 10,009 18,138 13,927 <INTEREST-INCOME-NET> 13,310 23,017 17,596 <LOAN-LOSSES> 1,889 3,350 2,118 <SECURITIES-GAINS> 0 189 56 <EXPENSE-OTHER> 9,887 18,096 16,102 <INCOME-PRETAX> 4,041 5,962 2,822 <INCOME-PRE-EXTRAORDINARY> 2,813 4,168 2,013 <EXTRAORDINARY> 0 0 0 <CHANGES> 0 0 0 <NET-INCOME> 2,813 4,168 2,013 <EPS-PRIMARY> 0.50 0.75 0.38 <EPS-DILUTED> 0.50 0.74 0.37 <YIELD-ACTUAL> 9.57 9.33 8.99 <LOANS-NON> 4,950 2,663 1,581 <LOANS-PAST> 0 0 0 <LOANS-TROUBLED> 0 0 0 <LOANS-PROBLEM> 16,838 11,725 4,772 <ALLOWANCE-OPEN> 3,569 2,141 1,612 <CHARGE-OFFS> 171 2,223 1,806 <RECOVERIES> 108 301 217 <ALLOWANCE-CLOSE> 5,395 3,569 2,141 <ALLOWANCE-DOMESTIC> 5,395 3,569 2,141 <ALLOWANCE-FOREIGN> 0 0 0 <ALLOWANCE-UNALLOCATED> 300 462 24