<TABLE> <S> <C>


<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

<S>                                                                  <C>
<PERIOD-TYPE>                                                      9-MOS
<FISCAL-YEAR-END>                                            DEC-31-1998
<PERIOD-START>                                               JAN-01-1998
<PERIOD-END>                                                 SEP-30-1998
<CASH>                                                             4,951
<INT-BEARING-DEPOSITS>                                                 0
<FED-FUNDS-SOLD>                                                  19,381
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       33,413
<INVESTMENTS-CARRYING>                                            51,840
<INVESTMENTS-MARKET>                                              51,946
<LOANS>                                                          683,273
<ALLOWANCE>                                                        2,942
<TOTAL-ASSETS>                                                   827,688
<DEPOSITS>                                                       638,288
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                7,143
<LONG-TERM>                                                       85,591
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                             904
<OTHER-SE>                                                        95,762
<TOTAL-LIABILITIES-AND-EQUITY>                                   827,688
<INTEREST-LOAN>                                                   40,034
<INTEREST-INVEST>                                                  4,066
<INTEREST-OTHER>                                                   1,389
<INTEREST-TOTAL>                                                  45,489
<INTEREST-DEPOSIT>                                                23,328
<INTEREST-EXPENSE>                                                27,162
<INTEREST-INCOME-NET>                                             18,327
<LOAN-LOSSES>                                                        322
<SECURITIES-GAINS>                                                   104
<EXPENSE-OTHER>                                                   11,238
<INCOME-PRETAX>                                                    8,661
<INCOME-PRE-EXTRAORDINARY>                                         5,598
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       5,598
<EPS-BASIC>                                                        .63
<EPS-DILUTED>                                                        .62
<YIELD-ACTUAL>                                                      3.04
<LOANS-NON>                                                        1,944
<LOANS-PAST>                                                         947
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                   2,635
<CHARGE-OFFS>                                                         15
<RECOVERIES>                                                           0
<ALLOWANCE-CLOSE>                                                  2,942
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                            2,942



</TABLE>