<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements at June 30, 1998, and is qualified
in its entirety by reference to the December 31, 1997 Consolidated Financial
Statements.
</LEGEND>
       
<S>                             <C>        <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           7,405
<INT-BEARING-DEPOSITS>                          13,718
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    138,948
<INVESTMENTS-CARRYING>                         138,360
<INVESTMENTS-MARKET>                           138,948
<LOANS>                                        415,216
<ALLOWANCE>                                      4,632
<TOTAL-ASSETS>                                 588,350
<DEPOSITS>                                     348,080
<SHORT-TERM>                                    62,728
<LIABILITIES-OTHER>                              9,963
<LONG-TERM>                                    120,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      47,535
<TOTAL-LIABILITIES-AND-EQUITY>                 588,350 
<INTEREST-LOAN>                                 15,445
<INTEREST-INVEST>                                5,492
<INTEREST-OTHER>                                   662
<INTEREST-TOTAL>                                20,599
<INTEREST-DEPOSIT>                               8,031
<INTEREST-EXPENSE>                              12,583
<INTEREST-INCOME-NET>                            8,016
<LOAN-LOSSES>                                    1,168
<SECURITIES-GAINS>                                 719
<EXPENSE-OTHER>                                  6,597
<INCOME-PRETAX>                                  3,017
<INCOME-PRE-EXTRAORDINARY>                       3,017
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,982
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    7.42
<LOANS-NON>                                          0
<LOANS-PAST>                                       800
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,977
<CHARGE-OFFS>                                      597
<RECOVERIES>                                        84
<ALLOWANCE-CLOSE>                                4,632
<ALLOWANCE-DOMESTIC>                             4,632
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0            
        

</TABLE>