<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Condensed Statements of Condition at June 30, 1998 (unaudited)
and the Consolidated Condensed Statements of Income for the Six Months
Ended June 30, 1998 (unaudited) and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER>                    1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                             6,858     
<INT-BEARING-DEPOSITS>                                 0     
<FED-FUNDS-SOLD>                                  10,200     
<TRADING-ASSETS>                                     536     
<INVESTMENTS-HELD-FOR-SALE>                      208,654     
<INVESTMENTS-CARRYING>                                 0     
<INVESTMENTS-MARKET>                                   0     
<LOANS>                                          262,469     
<ALLOWANCE>                                       (5,485)    
<TOTAL-ASSETS>                                   495,178     
<DEPOSITS>                                       323,950     
<SHORT-TERM>                                      66,134     
<LIABILITIES-OTHER>                                4,587     
<LONG-TERM>                                       51,511     
<PREFERRED-MANDATORY>                                  0     
<PREFERRED>                                            0     
<COMMON>                                           5,633     
<OTHER-SE>                                        43,363     
<TOTAL-LIABILITIES-AND-EQUITY>                   495,178     
<INTEREST-LOAN>                                   11,248     
<INTEREST-INVEST>                                  5,766     
<INTEREST-OTHER>                                     236     
<INTEREST-TOTAL>                                  17,250     
<INTEREST-DEPOSIT>                                 6,232     
<INTEREST-EXPENSE>                                 8,962     
<INTEREST-INCOME-NET>                              8,288     
<LOAN-LOSSES>                                        168     
<SECURITIES-GAINS>                                   812     
<EXPENSE-OTHER>                                    4,787     
<INCOME-PRETAX>                                    5,289     
<INCOME-PRE-EXTRAORDINARY>                         5,289     
<EXTRAORDINARY>                                        0     
<CHANGES>                                              0     
<NET-INCOME>                                       3,496     
<EPS-PRIMARY>                                       0.69  
<EPS-DILUTED>                                       0.63  
<YIELD-ACTUAL>                                      7.49  
<LOANS-NON>                                        2,408     
<LOANS-PAST>                                           0     
<LOANS-TROUBLED>                                       0     
<LOANS-PROBLEM>                                    5,691     
<ALLOWANCE-OPEN>                                   5,306     
<CHARGE-OFFS>                                         69     
<RECOVERIES>                                          80     
<ALLOWANCE-CLOSE>                                  5,485     
<ALLOWANCE-DOMESTIC>                               3,422     
<ALLOWANCE-FOREIGN>                                    0     
<ALLOWANCE-UNALLOCATED>                            2,063     
                                               


</TABLE>