<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          46,638
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,881
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    189,727
<INVESTMENTS-CARRYING>                         244,260
<INVESTMENTS-MARKET>                           238,033
<LOANS>                                        995,439
<ALLOWANCE>                                   (14,360)
<TOTAL-ASSETS>                               1,546,357
<DEPOSITS>                                   1,078,530
<SHORT-TERM>                                    86,558
<LIABILITIES-OTHER>                             12,550
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           28,750
<PREFERRED>                                          0
<COMMON>                                           149
<OTHER-SE>                                      93,596
<TOTAL-LIABILITIES-AND-EQUITY>               1,546,357
<INTEREST-LOAN>                                 39,684
<INTEREST-INVEST>                               15,173
<INTEREST-OTHER>                                   444
<INTEREST-TOTAL>                                55,301
<INTEREST-DEPOSIT>                              15,327
<INTEREST-EXPENSE>                              10,001
<INTEREST-INCOME-NET>                           45,300
<LOAN-LOSSES>                                    1,963
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 22,546
<INCOME-PRETAX>                                 11,436
<INCOME-PRE-EXTRAORDINARY>                      11,436
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,954
<EPS-BASIC>                                       0.56
<EPS-DILUTED>                                     0.55
<YIELD-ACTUAL>                                    7.63
<LOANS-NON>                                      3,620
<LOANS-PAST>                                       475
<LOANS-TROUBLED>                                   963
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,695
<CHARGE-OFFS>                                  (2,187)
<RECOVERIES>                                       889
<ALLOWANCE-CLOSE>                               14,360
<ALLOWANCE-DOMESTIC>                            14,360
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0