<TABLE> <S> <C>



<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         0000705671
<NAME>                        OMEGA FINANCIAL CORP.
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   Dec-31-1998
<CASH>                                              40,066
<INT-BEARING-DEPOSITS>                               1,455
<FED-FUNDS-SOLD>                                    18,350
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        144,551
<INVESTMENTS-CARRYING>                             116,829
<INVESTMENTS-MARKET>                               117,954
<LOANS>                                            722,967
<ALLOWANCE>                                         11,772
<TOTAL-ASSETS>                                   1,062,704
<DEPOSITS>                                         870,660
<SHORT-TERM>                                        17,638
<LIABILITIES-OTHER>                                 15,426
<LONG-TERM>                                          5,000
<PREFERRED-MANDATORY>                              151,855
<PREFERRED>                                              0
<COMMON>                                             2,125
<OTHER-SE>                                               0
<TOTAL-LIABILITIES-AND-EQUITY>                   1,062,704
<INTEREST-LOAN>                                     60,266
<INTEREST-INVEST>                                   14,071
<INTEREST-OTHER>                                       931
<INTEREST-TOTAL>                                    75,268
<INTEREST-DEPOSIT>                                  27,747
<INTEREST-EXPENSE>                                  28,650
<INTEREST-INCOME-NET>                               46,618
<LOAN-LOSSES>                                        1,060
<SECURITIES-GAINS>                                   3,560
<EXPENSE-OTHER>                                     34,189
<INCOME-PRETAX>                                     24,714
<INCOME-PRE-EXTRAORDINARY>                          17,092
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        17,092
<EPS-PRIMARY>                                         1.87
<EPS-DILUTED>                                         1.79
<YIELD-ACTUAL>                                        4.82
<LOANS-NON>                                          5,627
<LOANS-PAST>                                           682
<LOANS-TROUBLED>                                       213
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    11,793
<CHARGE-OFFS>                                        1,428
<RECOVERIES>                                           347
<ALLOWANCE-CLOSE>                                   11,772
<ALLOWANCE-DOMESTIC>                                11,772
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>