<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) ITEM 7 -
"FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA" AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH (B) FINANCIAL STATEMENTS INCLUDED IN THIS REPORT AND
INCORPORATED HEREIN BY REFERENCE.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                              APR-1-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          47,127
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                40,687
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    113,013
<INVESTMENTS-CARRYING>                          18,085
<INVESTMENTS-MARKET>                            18,202
<LOANS>                                        276,345
<ALLOWANCE>                                      4,228
<TOTAL-ASSETS>                                 501,880
<DEPOSITS>                                     450,803
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,891
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        41,168
<OTHER-SE>                                       6,018
<TOTAL-LIABILITIES-AND-EQUITY>                 501,880
<INTEREST-LOAN>                                  6,669
<INTEREST-INVEST>                                2,027
<INTEREST-OTHER>                                   585
<INTEREST-TOTAL>                                 9,281
<INTEREST-DEPOSIT>                               3,415
<INTEREST-EXPENSE>                               3,415
<INTEREST-INCOME-NET>                            5,866
<LOAN-LOSSES>                                       24
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,458
<INCOME-PRETAX>                                  2,914
<INCOME-PRE-EXTRAORDINARY>                       2,914
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,709
<EPS-PRIMARY>                                     0.35
<EPS-DILUTED>                                     0.32
<YIELD-ACTUAL>                                     5.3
<LOANS-NON>                                        950
<LOANS-PAST>                                     1,090
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,201
<CHARGE-OFFS>                                       21
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                4,228
<ALLOWANCE-DOMESTIC>                             4,228
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>