<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
FINANCIAL DATA SCHEDULE - FISCAL YEAR END 1998
This schedule contains summary financial information extracted from the Form
10-K and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                                             <C>
<PERIOD-TYPE>                                    12-MOS
<FISCAL-YEAR-END>                                DEC-31-1998
<PERIOD-END>                                     DEC-31-1998
<CASH>                                           23,506
<INT-BEARING-DEPOSITS>                           19,532
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     219,765<F1>
<INVESTMENTS-CARRYING>                           22,277
<INVESTMENTS-MARKET>                             22,548
<LOANS>                                         554,193<F2>
<ALLOWANCE>                                       7,122
<TOTAL-ASSETS>                                  878,147
<DEPOSITS>                                      650,487
<SHORT-TERM>                                     70,905<F3>
<LIABILITIES-OTHER>                               3,547
<LONG-TERM>                                      80,608
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          6,790
<OTHER-SE>                                       65,810
<TOTAL-LIABILITIES-AND-EQUITY>                  878,147
<INTEREST-LOAN>                                  45,832
<INTEREST-INVEST>                                11,304
<INTEREST-OTHER>                                  1,490
<INTEREST-TOTAL>                                 58,626
<INTEREST-DEPOSIT>                               22,554
<INTEREST-EXPENSE>                               27,653
<INTEREST-INCOME-NET>                            30,973
<LOAN-LOSSES>                                     1,125
<SECURITIES-GAINS>                                4,185
<EXPENSE-OTHER>                                  24,205
<INCOME-PRETAX>                                  14,693
<INCOME-PRE-EXTRAORDINARY>                        9,557
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      9,557
<EPS-PRIMARY>                                      1.64
<EPS-DILUTED>                                      1.60
<YIELD-ACTUAL>                                     4.12
<LOANS-NON>                                       3,013
<LOANS-PAST>                                        146
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  7,651
<CHARGE-OFFS>                                     2,113
<RECOVERIES>                                        459
<ALLOWANCE-CLOSE>                                 7,122
<ALLOWANCE-DOMESTIC>                              5,814
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,308

<FN>
<F1>Securities available for sale, at market value
<F2>Loans net of unearned income, gross of allowance for possible loan losses
    and excluding loans held for sale
<F3>Securities sold under agreements to repurchase of $70,905
<F4>Includes other borrowings with the Federal Home Loan Bank of Boston of
    $80,608

</FN>
        


</TABLE>