<TABLE> <S> <C>

<ARTICLE>                                   9
<MULTIPLIER>                            1,000
       
<S>                                           <C>              <C>
<PERIOD-TYPE>                                 6-MOS            6-MOS
<FISCAL-YEAR-END>                               DEC-31-1998        DEC-31-1997
<PERIOD-END>                                    JUN-30-1998        JUN-30-1997
<CASH>                                               18,431             22,561
<INT-BEARING-DEPOSITS>                                    0                  0
<FED-FUNDS-SOLD>                                          0                  0
<TRADING-ASSETS>                                          0                  0
<INVESTMENTS-HELD-FOR-SALE>                         167,950            128,239
<INVESTMENTS-CARRYING>                              111,637            114,589
<INVESTMENTS-MARKET>                                116,778            117,984
<LOANS>                                             368,533            322,016
<ALLOWANCE>                                           8,394              8,666
<TOTAL-ASSETS>                                      681,684            609,419
<DEPOSITS>                                          587,305            527,340
<SHORT-TERM>                                         24,162             17,676
<LIABILITIES-OTHER>                                   7,474              5,620
<LONG-TERM>                                           6,702              7,094
<PREFERRED-MANDATORY>                                     0                  0
<PREFERRED>                                               0                  0
<COMMON>                                              9,743              9,680
<OTHER-SE>                                           46,298             42,010
<TOTAL-LIABILITIES-AND-EQUITY>                      681,684            609,312
<INTEREST-LOAN>                                      16,175             14,912
<INTEREST-INVEST>                                     9,702              8,628
<INTEREST-OTHER>                                        157                228
<INTEREST-TOTAL>                                     26,034             23,768
<INTEREST-DEPOSIT>                                   12,207             10,322
<INTEREST-EXPENSE>                                   12,878             10,959
<INTEREST-INCOME-NET>                                13,156             12,809
<LOAN-LOSSES>                                           290                125
<SECURITIES-GAINS>                                      236                288
<EXPENSE-OTHER>                                      10,009              8,795
<INCOME-PRETAX>                                       4,837              5,451
<INCOME-PRE-EXTRAORDINARY>                            4,837              5,451
<EXTRAORDINARY>                                           0                  0
<CHANGES>                                                 0                  0
<NET-INCOME>                                          3,576              3,816
<EPS-PRIMARY>                                          0.47               0.49
<EPS-DILUTED>                                          0.46               0.49
<YIELD-ACTUAL>                                         4.35               4.38
<LOANS-NON>                                           3,466              1,974
<LOANS-PAST>                                          3,362              1,343
<LOANS-TROUBLED>                                          0                  0
<LOANS-PROBLEM>                                           0                  0
<ALLOWANCE-OPEN>                                      8,378              8,367
<CHARGE-OFFS>                                           537                813
<RECOVERIES>                                            263                987
<ALLOWANCE-CLOSE>                                     8,394              8,666
<ALLOWANCE-DOMESTIC>                                  8,394              8,666
<ALLOWANCE-FOREIGN>                                       0                  0
<ALLOWANCE-UNALLOCATED>                                   0                  0
        



</TABLE>