<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           26,994,119
<INT-BEARING-DEPOSITS>                           13,509,057
<FED-FUNDS-SOLD>                                 10,000,000
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                     134,017,047
<INVESTMENTS-CARRYING>                            7,100,634
<INVESTMENTS-MARKET>                              7,154,081
<LOANS>                                         428,821,201
<ALLOWANCE>                                       5,020,784
<TOTAL-ASSETS>                                  643,223,836
<DEPOSITS>                                      550,221,005
<SHORT-TERM>                                      6,424,109
<LIABILITIES-OTHER>                               4,447,400
<LONG-TERM>                                      39,000,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                         25,445,790
<OTHER-SE>                                       17,685,532
<TOTAL-LIABILITIES-AND-EQUITY>                  643,223,836
<INTEREST-LOAN>                                  19,891,164
<INTEREST-INVEST>                                 3,858,098
<INTEREST-OTHER>                                    276,160
<INTEREST-TOTAL>                                 24,025,422
<INTEREST-DEPOSIT>                                9,653,509
<INTEREST-EXPENSE>                               11,144,481
<INTEREST-INCOME-NET>                            12,880,941
<LOAN-LOSSES>                                       310,000
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                   9,656,180
<INCOME-PRETAX>                                   5,441,109
<INCOME-PRE-EXTRAORDINARY>                        5,441,109
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      3,423,309
<EPS-PRIMARY>                                          0.84
<EPS-DILUTED>                                          0.84
<YIELD-ACTUAL>                                         4.62
<LOANS-NON>                                         835,220
<LOANS-PAST>                                         19,961
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  4,588,996
<CHARGE-OFFS>                                       184,147
<RECOVERIES>                                        305,935
<ALLOWANCE-CLOSE>                                 5,020,784
<ALLOWANCE-DOMESTIC>                              4,520,784
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                             500,000
        


</TABLE>