<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM 1ST BANCORP
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                         0000840458
<NAME>                        1ST BANCORP
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                                           <C> 
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 OCT-1-1997
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         456
<INT-BEARING-DEPOSITS>                         5,459
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    12,273
<INVESTMENTS-CARRYING>                         33,855
<INVESTMENTS-MARKET>                           33,695
<LOANS>                                        189,141
<ALLOWANCE>                                    1,183
<TOTAL-ASSETS>                                 255,927
<DEPOSITS>                                     134,668
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            2,879
<LONG-TERM>                                    95,406
<COMMON>                                       1,038
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     21,936
<TOTAL-LIABILITIES-AND-EQUITY>                 255,927              
<INTEREST-LOAN>                                7,729
<INTEREST-INVEST>                              1,707
<INTEREST-OTHER>                               375
<INTEREST-TOTAL>                               9,811
<INTEREST-DEPOSIT>                             3,890
<INTEREST-EXPENSE>                             6,646
<INTEREST-INCOME-NET>                          3,165
<LOAN-LOSSES>                                  180
<SECURITIES-GAINS>                             22
<EXPENSE-OTHER>                                2,535
<INCOME-PRETAX>                                1,216
<INCOME-PRE-EXTRAORDINARY>                     1,216
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   892
<EPS-PRIMARY>                                  0.81 
<EPS-DILUTED>                                  0.81  
<YIELD-ACTUAL>                                 7.96
<LOANS-NON>                                    2,381
<LOANS-PAST>                                   645
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                278
<ALLOWANCE-OPEN>                               1,158  
<CHARGE-OFFS>                                  157
<RECOVERIES>                                   2
<ALLOWANCE-CLOSE>                              1,183
<ALLOWANCE-DOMESTIC>                           497
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        686
                             


</TABLE>