<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                             <C>                             <C>                   
<PERIOD-TYPE>                   6-MOS                           6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997                     DEC-31-1998
<PERIOD-START>                                 JAN-01-1998                     JAN-01-1998
<PERIOD-END>                                   JUN-30-1997                     JUN-30-1998
<CASH>                                          43,375                          51,303
<INT-BEARING-DEPOSITS>                             571                             575
<FED-FUNDS-SOLD>                                64,643                          52,393
<TRADING-ASSETS>                                     0                               0
<INVESTMENTS-HELD-FOR-SALE>                    117,681                         226,976
<INVESTMENTS-CARRYING>                           9,040                           5,644
<INVESTMENTS-MARKET>                             9,041                           5,667
<LOANS>                                        422,575                         451,573
<ALLOWANCE>                                      4,074                           4,544
<TOTAL-ASSETS>                                 680,011                         815,560
<DEPOSITS>                                     607,594                         730,325
<SHORT-TERM>                                         0                               0
<LIABILITIES-OTHER>                              5,005                           9,171
<LONG-TERM>                                          0                               0
<PREFERRED-MANDATORY>                                0                               0
<PREFERRED>                                          0                               0
<COMMON>                                        49,775                          58,444
<OTHER-SE>                                      17,637                          17,620
<TOTAL-LIABILITIES-AND-EQUITY>                 680,011                         815,560
<INTEREST-LOAN>                                 19,996                          21,271
<INTEREST-INVEST>                                5,039                           8,148
<INTEREST-OTHER>                                     0                               0
<INTEREST-TOTAL>                                25,035                          29,419
<INTEREST-DEPOSIT>                               7,984                          10,141
<INTEREST-EXPENSE>                               8,005                          10,146
<INTEREST-INCOME-NET>                           17,030                          19,273
<LOAN-LOSSES>                                      570                             690
<SECURITIES-GAINS>                                  11                             (14)
<EXPENSE-OTHER>                                  9,924                          10,998
<INCOME-PRETAX>                                  8,140                           9,429
<INCOME-PRE-EXTRAORDINARY>                       8,140                           9,429
<EXTRAORDINARY>                                      0                               0
<CHANGES>                                            0                               0
<NET-INCOME>                                     4,923                           5,655
<EPS-PRIMARY>                                     1.15                            1.31
<EPS-DILUTED>                                     1.11                            1.26
<YIELD-ACTUAL>                                     8.8                             8.4
<LOANS-NON>                                      1,782                             940
<LOANS-PAST>                                        49                              15
<LOANS-TROUBLED>                                   245                              27
<LOANS-PROBLEM>                                      0                               0
<ALLOWANCE-OPEN>                                 3,672                           4,266
<CHARGE-OFFS>                                      281                             527
<RECOVERIES>                                       113                             115
<ALLOWANCE-CLOSE>                                4,074                           4,544
<ALLOWANCE-DOMESTIC>                             4,074                           4,544
<ALLOWANCE-FOREIGN>                                  0                               0
<ALLOWANCE-UNALLOCATED>                              0                               0
        


</TABLE>