<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                   1,000

       
<S>                                          <C>
<PERIOD-TYPE>                                6-MOS
<FISCAL-YEAR-END>                            DEC-31-1998
<PERIOD-END>                                 JUN-30-1998
<CASH>                                          26,108
<INT-BEARING-DEPOSITS>                           3,268
<FED-FUNDS-SOLD>                                56,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,453
<INVESTMENTS-CARRYING>                         249,027
<INVESTMENTS-MARKET>                           247,847
<LOANS>                                      1,155,580
<ALLOWANCE>                                      4,866
<TOTAL-ASSETS>                               1,546,630
<DEPOSITS>                                   1,195,067
<SHORT-TERM>                                    25,410
<LIABILITIES-OTHER>                             21,900
<LONG-TERM>                                     86,097
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,013
<OTHER-SE>                                     216,143
<TOTAL-LIABILITIES-AND-EQUITY>               1,546,630
<INTEREST-LOAN>                                 45,234
<INTEREST-INVEST>                                9,028
<INTEREST-OTHER>                                   808
<INTEREST-TOTAL>                                55,070
<INTEREST-DEPOSIT>                              25,698
<INTEREST-EXPENSE>                              29,586
<INTEREST-INCOME-NET>                           25,484
<LOAN-LOSSES>                                     (179)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 15,302
<INCOME-PRETAX>                                 14,037
<INCOME-PRE-EXTRAORDINARY>                       9,006
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,006
<EPS-PRIMARY>                                     0.57
<EPS-DILUTED>                                     0.55
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                      2,897
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,716
<CHARGE-OFFS>                                      132
<RECOVERIES>                                       461
<ALLOWANCE-CLOSE>                                4,866
<ALLOWANCE-DOMESTIC>                             4,866
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>