<TABLE> <S> <C>


<ARTICLE>                                                   9
<MULTIPLIER>                                            1,000

       

<S>                                              <C>
<PERIOD-TYPE>                                           6-Mos
<FISCAL-YEAR-END>                                 Dec-31-1998
<PERIOD-END>                                      Jun-30-1998
<CASH>                                                 18,265
<INT-BEARING-DEPOSITS>                                  1,003
<FED-FUNDS-SOLD>                                       22,200
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            89,441
<INVESTMENTS-CARRYING>                                 51,622
<INVESTMENTS-MARKET>                                   52,121
<LOANS>                                               471,085
<ALLOWANCE>                                             5,342
<TOTAL-ASSETS>                                        666,792
<DEPOSITS>                                            575,874
<SHORT-TERM>                                           18,450
<LIABILITIES-OTHER>                                     4,359
<LONG-TERM>                                             9,824
<COMMON>                                                5,397
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<OTHER-SE>                                             52,888
<TOTAL-LIABILITIES-AND-EQUITY>                        666,792
<INTEREST-LOAN>                                        19,210
<INTEREST-INVEST>                                       4,163
<INTEREST-OTHER>                                          852
<INTEREST-TOTAL>                                       24,225
<INTEREST-DEPOSIT>                                      9,213
<INTEREST-EXPENSE>                                      9,964
<INTEREST-INCOME-NET>                                  14,261
<LOAN-LOSSES>                                             431
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                        10,366
<INCOME-PRETAX>                                         5,306
<INCOME-PRE-EXTRAORDINARY>                              3,405
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                            3,405
<EPS-PRIMARY>                                            0.47
<EPS-DILUTED>                                            0.47
<YIELD-ACTUAL>                                           4.49
<LOANS-NON>                                             1,238
<LOANS-PAST>                                                3
<LOANS-TROUBLED>                                          558
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                        5,231
<CHARGE-OFFS>                                             373
<RECOVERIES>                                               53
<ALLOWANCE-CLOSE>                                       5,342
<ALLOWANCE-DOMESTIC>                                    5,342
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                   972
        


</TABLE>