<TABLE> <S> <C>


<ARTICLE>                                            9                
<MULTIPLIER>                                   1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                               3,374
<INT-BEARING-DEPOSITS>                               1,153
<FED-FUNDS-SOLD>                                    17,742
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         33,596
<INVESTMENTS-CARRYING>                              29,562
<INVESTMENTS-MARKET>                                29,694
<LOANS>                                            423,728
<ALLOWANCE>                                          1,695
<TOTAL-ASSETS>                                     531,926
<DEPOSITS>                                         418,404
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  3,662
<LONG-TERM>                                         43,845
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               560
<OTHER-SE>                                          65,455
<TOTAL-LIABILITIES-AND-EQUITY>                     531,926
<INTEREST-LOAN>                                     16,408
<INTEREST-INVEST>                                    1,845
<INTEREST-OTHER>                                       841
<INTEREST-TOTAL>                                    19,094
<INTEREST-DEPOSIT>                                  10,357
<INTEREST-EXPENSE>                                  11,582
<INTEREST-INCOME-NET>                                7,512
<LOAN-LOSSES>                                           47
<SECURITIES-GAINS>                                      62
<EXPENSE-OTHER>                                      4,609
<INCOME-PRETAX>                                      3,667
<INCOME-PRE-EXTRAORDINARY>                           2,337
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,337
<EPS-PRIMARY>                                          .43
<EPS-DILUTED>                                          .42
<YIELD-ACTUAL>                                        2.92
<LOANS-NON>                                          1,237
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,658
<CHARGE-OFFS>                                           10
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,695
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,695
        


</TABLE>