<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                                        <C>              
<PERIOD-TYPE>                              12-MOS           
<FISCAL-YEAR-END>                          DEC-31-1998      
<PERIOD-END>                               DEC-31-1998      
<CASH>                                                                 39279
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                        1485
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           191867
<INVESTMENTS-CARRYING>                                                 22636
<INVESTMENTS-MARKET>                                                   22792
<LOANS>                                                               515980
<ALLOWANCE>                                                            10092
<TOTAL-ASSETS>                                                        803887
<DEPOSITS>                                                            664078
<SHORT-TERM>                                                           34848
<LIABILITIES-OTHER>                                                     4332
<LONG-TERM>                                                            27279
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                                 703
<OTHER-SE>                                                             72647
<TOTAL-LIABILITIES-AND-EQUITY>                                        803887
<INTEREST-LOAN>                                                        47730
<INTEREST-INVEST>                                                      11663
<INTEREST-OTHER>                                                         391
<INTEREST-TOTAL>                                                       59784
<INTEREST-DEPOSIT>                                                     19893
<INTEREST-EXPENSE>                                                     22608
<INTEREST-INCOME-NET>                                                  37176
<LOAN-LOSSES>                                                           1303
<SECURITIES-GAINS>                                                      1664
<EXPENSE-OTHER>                                                        32359
<INCOME-PRETAX>                                                        12704
<INCOME-PRE-EXTRAORDINARY>                                              7554
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                            7554
<EPS-PRIMARY>                                                           1.07
<EPS-DILUTED>                                                           1.05
<YIELD-ACTUAL>                                                          5.11
<LOANS-NON>                                                             5340
<LOANS-PAST>                                                             977
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                        16081
<ALLOWANCE-OPEN>                                                       12081
<CHARGE-OFFS>                                                           4198
<RECOVERIES>                                                             906
<ALLOWANCE-CLOSE>                                                      10192
<ALLOWANCE-DOMESTIC>                                                   10192
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                    0
                                                   


</TABLE>