<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>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                          33,414
<INT-BEARING-DEPOSITS>                           2,437
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     79,621
<INVESTMENTS-CARRYING>                         304,077
<INVESTMENTS-MARKET>                           305,764
<LOANS>                                        239,471
<ALLOWANCE>                                      2,064
<TOTAL-ASSETS>                                 689,284
<DEPOSITS>                                     448,625
<SHORT-TERM>                                    35,000
<LIABILITIES-OTHER>                             10,665
<LONG-TERM>                                    143,356
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           529
<OTHER-SE>                                      51,109
<TOTAL-LIABILITIES-AND-EQUITY>                 689,284
<INTEREST-LOAN>                                  9,509
<INTEREST-INVEST>                               10,900
<INTEREST-OTHER>                                   730
<INTEREST-TOTAL>                                21,139
<INTEREST-DEPOSIT>                               8,678
<INTEREST-EXPENSE>                              12,252
<INTEREST-INCOME-NET>                            8,887
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                 345
<EXPENSE-OTHER>                                  6,828
<INCOME-PRETAX>                                  3,135
<INCOME-PRE-EXTRAORDINARY>                       3,135
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,982
<EPS-PRIMARY>                                      .68
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                    2.87
<LOANS-NON>                                          0
<LOANS-PAST>                                     1,747
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,029
<CHARGE-OFFS>                                        4
<RECOVERIES>                                         8
<ALLOWANCE-CLOSE>                                2,064
<ALLOWANCE-DOMESTIC>                             2,064
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,064
        


</TABLE>