<TABLE> <S> <C>
                        
<ARTICLE>                                         9
<MULTIPLIER>                                   1000
       
<S>                                         <C>                  <C>             
<PERIOD-TYPE>                               3-Mos                6-Mos
<FISCAL-YEAR-END>                           DEC-31-1998          DEC-31-1998
<PERIOD-START>                              APR-01-1998          JAN-01-1998 
<PERIOD-END>                                JUN-30-1998          JUN-30-1998 
<CASH>                                      28,998               28,998      
<INT-BEARING-DEPOSITS>                      95,166               95,166      
<FED-FUNDS-SOLD>                            0                    0           
<TRADING-ASSETS>                            0                    0
<INVESTMENTS-HELD-FOR-SALE>                 135,894              135,894     
<INVESTMENTS-CARRYING>                      7,778                7,778
<INVESTMENTS-MARKET>                        7,802                7,802     
<LOANS>                                     689,604              689,604   
<ALLOWANCE>                                 6,266                6,266     
<TOTAL-ASSETS>                              1,019,764            1,019,764 
<DEPOSITS>                                  779,678              779,678   
<SHORT-TERM>                                74,382               74,382    
<LIABILITIES-OTHER>                         25,530               25,530    
<LONG-TERM>                                 50,000               50,000    
<PREFERRED-MANDATORY>                       0                    0         
<PREFERRED>                                 0                    0
<COMMON>                                    63,885               63,885        
<OTHER-SE>                                  26,289               26,289
<TOTAL-LIABILITIES-AND-EQUITY>              1,019,764            1,019,764
<INTEREST-LOAN>                             15,548               30,313 
<INTEREST-INVEST>                           2,311                4,600     
<INTEREST-OTHER>                            0                    0      
<INTEREST-TOTAL>                            17,859               34,913                     
<INTEREST-DEPOSIT>                          5,868                11,554  
<INTEREST-EXPENSE>                          1,202                2,100   
<INTEREST-INCOME-NET>                       10,789               21,259  
<LOAN-LOSSES>                               150                  180     
<SECURITIES-GAINS>                          213                  381     
<EXPENSE-OTHER>                             8,586                16,812  
<INCOME-PRETAX>                             5,192                10,181  
<INCOME-PRE-EXTRAORDINARY>                  5,192                10,181  
<EXTRAORDINARY>                             0                    0
<CHANGES>                                   0                    0
<NET-INCOME>                                3,271                6,415   
<EPS-PRIMARY>                               $.14                 $.27                        
<EPS-DILUTED>                               $.13                 $.26   
<YIELD-ACTUAL>                              5.11                 5.17   
<LOANS-NON>                                 4,799                4,799  
<LOANS-PAST>                                0                    0
<LOANS-TROUBLED>                            0                    0         
<LOANS-PROBLEM>                             0                    0
<ALLOWANCE-OPEN>                            6,619                6,158
<CHARGE-OFFS>                               597                  786
<RECOVERIES>                                94                   210
<ALLOWANCE-CLOSE>                           6,266                6,266 
<ALLOWANCE-DOMESTIC>                        6,266                6,266
<ALLOWANCE-FOREIGN>                         0                    0      
<ALLOWANCE-UNALLOCATED>                     1,005                1,005 
                                            





</TABLE>