<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                              28,453 
<INT-BEARING-DEPOSITS>                                   0 
<FED-FUNDS-SOLD>                                     9,450 
<TRADING-ASSETS>                                         0 
<INVESTMENTS-HELD-FOR-SALE>                        126,664 
<INVESTMENTS-CARRYING>                                   0 
<INVESTMENTS-MARKET>                                     0 
<LOANS>                                            478,222 
<ALLOWANCE>                                              0 
<TOTAL-ASSETS>                                     706,599 
<DEPOSITS>                                         588,735 
<SHORT-TERM>                                        32,488 
<LIABILITIES-OTHER>                                  8,379 
<LONG-TERM>                                         12,314 
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                          1,079 
<COMMON>                                            24,559 
<OTHER-SE>                                          37,300 
<TOTAL-LIABILITIES-AND-EQUITY>                     706,599 
<INTEREST-LOAN>                                     24,390 
<INTEREST-INVEST>                                    3,886 
<INTEREST-OTHER>                                       125 
<INTEREST-TOTAL>                                    28,402 
<INTEREST-DEPOSIT>                                  11,106 
<INTEREST-EXPENSE>                                  12,457 
<INTEREST-INCOME-NET>                               15,945 
<LOAN-LOSSES>                                        1,067 
<SECURITIES-GAINS>                                       0 
<EXPENSE-OTHER>                                      2,675 
<INCOME-PRETAX>                                      4,925 
<INCOME-PRE-EXTRAORDINARY>                           4,925 
<EXTRAORDINARY>                                          0 
<CHANGES>                                                0 
<NET-INCOME>                                         3,179 
<EPS-PRIMARY>                                          .31 
<EPS-DILUTED>                                          .29 
<YIELD-ACTUAL>                                        4.62 
<LOANS-NON>                                          2,458 
<LOANS-PAST>                                         2,367 
<LOANS-TROUBLED>                                         0 
<LOANS-PROBLEM>                                        113 
<ALLOWANCE-OPEN>                                     5,002 
<CHARGE-OFFS>                                          128 
<RECOVERIES>                                            20 
<ALLOWANCE-CLOSE>                                    6,805 
<ALLOWANCE-DOMESTIC>                                 6,220 
<ALLOWANCE-FOREIGN>                                      0 
<ALLOWANCE-UNALLOCATED>                                585 
                                               
                                           

</TABLE>