<TABLE> <S> <C>


<ARTICLE>                     9
       
<S>                                                <C>
<PERIOD-TYPE>                                            6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1998
<PERIOD-END>                                       JUN-30-1998
<CASH>                                                  12,508
<INT-BEARING-DEPOSITS>                                       1
<FED-FUNDS-SOLD>                                        13,531
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                            436,580
<INVESTMENTS-CARRYING>                                  57,811
<INVESTMENTS-MARKET>                                         0
<LOANS>                                                578,519
<ALLOWANCE>                                             (6,875)
<TOTAL-ASSETS>                                       1,135,299
<DEPOSITS>                                             833,398
<SHORT-TERM>                                            67,653
<LIABILITIES-OTHER>                                     11,305
<LONG-TERM>                                            121,445
<COMMON>                                                 2,281
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<OTHER-SE>                                              99,217
<TOTAL-LIABILITIES-AND-EQUITY>                       1,135,299
<INTEREST-LOAN>                                         23,090
<INTEREST-INVEST>                                       15,374
<INTEREST-OTHER>                                            98
<INTEREST-TOTAL>                                        38,562
<INTEREST-DEPOSIT>                                      15,622
<INTEREST-EXPENSE>                                      21,113
<INTEREST-INCOME-NET>                                   17,374
<LOAN-LOSSES>                                                0
<SECURITIES-GAINS>                                         910
<EXPENSE-OTHER>                                          9,352
<INCOME-PRETAX>                                         10,635
<INCOME-PRE-EXTRAORDINARY>                              10,635
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             6,485
<EPS-PRIMARY>                                             1.43
<EPS-DILUTED>                                             1.36
<YIELD-ACTUAL>                                            7.17
<LOANS-NON>                                              1,984
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         6,733
<CHARGE-OFFS>                                              152
<RECOVERIES>                                               219
<ALLOWANCE-CLOSE>                                        6,875
<ALLOWANCE-DOMESTIC>                                         0
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0
        


</TABLE>