<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT JUNE 30, 1998 AND DECEMBER 31, 1997 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE
30, 1998 AND 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           9,243
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    211,369
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        470,848
<ALLOWANCE>                                    (2,892)
<TOTAL-ASSETS>                                 725,180
<DEPOSITS>                                     467,133
<SHORT-TERM>                                    43,536
<LIABILITIES-OTHER>                              9,314
<LONG-TERM>                                    134,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      70,706
<TOTAL-LIABILITIES-AND-EQUITY>                 725,180
<INTEREST-LOAN>                                 17,440
<INTEREST-INVEST>                                6,563
<INTEREST-OTHER>                                   544
<INTEREST-TOTAL>                                24,547
<INTEREST-DEPOSIT>                              11,425
<INTEREST-EXPENSE>                              15,964
<INTEREST-INCOME-NET>                            8,583
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                               8,433
<EXPENSE-OTHER>                                  6,696
<INCOME-PRETAX>                                  3,917
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,447
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    7.24
<LOANS-NON>                                        317
<LOANS-PAST>                                       309
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     57
<ALLOWANCE-OPEN>                                 2,748
<CHARGE-OFFS>                                      (8)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                2,892
<ALLOWANCE-DOMESTIC>                               700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,192
        

</TABLE>