<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