<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               SEP-30-1998             SEP-30-1997
<CASH>                                          17,597                  16,883
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                12,693                     219
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     27,670                  36,435
<INVESTMENTS-CARRYING>                           4,626                   7,726
<INVESTMENTS-MARKET>                             4,620                   7,711
<LOANS>                                        438,638                 452,564
<ALLOWANCE>                                      9,397                   9,026
<TOTAL-ASSETS>                                 517,259                 528,805
<DEPOSITS>                                     446,711                 455,294
<SHORT-TERM>                                     2,600                   1,599
<LIABILITIES-OTHER>                              5,324                   8,235
<LONG-TERM>                                      7,224                  12,994
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        13,562                  13,544
<OTHER-SE>                                      41,838                  37,139
<TOTAL-LIABILITIES-AND-EQUITY>                  55,400                 528,805
<INTEREST-LOAN>                                 35,504                  33,356
<INTEREST-INVEST>                                1,705                   2,256
<INTEREST-OTHER>                                   747                      94
<INTEREST-TOTAL>                                37,956                  35,706
<INTEREST-DEPOSIT>                              13,640                  13,155
<INTEREST-EXPENSE>                              14,020                  13,948
<INTEREST-INCOME-NET>                           23,936                  21,758
<LOAN-LOSSES>                                    1,470                   2,407
<SECURITIES-GAINS>                                   0                       2
<EXPENSE-OTHER>                                 13,937                  11,796
<INCOME-PRETAX>                                 11,711                  10,475
<INCOME-PRE-EXTRAORDINARY>                      11,711                  10,475
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     7,212                   6,480
<EPS-PRIMARY>                                     5.32                    4.78
<EPS-DILUTED>                                     5.29                    4.77
<YIELD-ACTUAL>                                    6.73                    5.94
<LOANS-NON>                                      2,744                     826
<LOANS-PAST>                                     2,980                   2,034
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                 11,338                  10,344
<ALLOWANCE-OPEN>                                 9,154                   7,331
<CHARGE-OFFS>                                    2,488                   1,120
<RECOVERIES>                                     1,261                     408
<ALLOWANCE-CLOSE>                                9,397                   9,026
<ALLOWANCE-DOMESTIC>                             9,397                   9,026
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>