<TABLE> <S> <C>
                                              
<ARTICLE>                                          9
<MULTIPLIER>                                                 1,000
<CURRENCY>                                         U.S.
                                                    
<S>                                                <C>
<PERIOD-TYPE>                                      3-mos
<FISCAL-YEAR-END>                                  Dec-31-1998
<PERIOD-END>                                       Jun-30-1998
<EXCHANGE-RATE>                                                  1
<CASH>                                                      43,269
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                             6,600
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                      0
<INVESTMENTS-CARRYING>                                     128,414
<INVESTMENTS-MARKET>                                       128,536
<LOANS>                                                    400,356
<ALLOWANCE>                                                  7,186
<TOTAL-ASSETS>                                             602,422
<DEPOSITS>                                                 503,011
<SHORT-TERM>                                                18,617
<LIABILITIES-OTHER>                                          4,727
<LONG-TERM>                                                 19,448
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                       517
<OTHER-SE>                                                  55,905
<TOTAL-LIABILITIES-AND-EQUITY>                             602,422
<INTEREST-LOAN>                                              9,034
<INTEREST-INVEST>                                            2,075
<INTEREST-OTHER>                                                47
<INTEREST-TOTAL>                                            11,156
<INTEREST-DEPOSIT>                                           3,789
<INTEREST-EXPENSE>                                           4,219
<INTEREST-INCOME-NET>                                        6,937
<LOAN-LOSSES>                                                  240
<SECURITIES-GAINS>                                             174
<EXPENSE-OTHER>                                              5,283
<INCOME-PRETAX>                                              3,296
<INCOME-PRE-EXTRAORDINARY>                                   3,296
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 1,952
<EPS-PRIMARY>                                                 0.38
<EPS-DILUTED>                                                 0.37
<YIELD-ACTUAL>                                                5.14
<LOANS-NON>                                                  4,635
<LOANS-PAST>                                                   640
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                             19,385
<ALLOWANCE-OPEN>                                             9,257
<CHARGE-OFFS>                                                2,973
<RECOVERIES>                                                   340
<ALLOWANCE-CLOSE>                                            7,186
<ALLOWANCE-DOMESTIC>                                         7,186
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
                                                    

</TABLE>