<TABLE> <S> <C>

     <ARTICLE>                       9
     <MULTIPLIER>                    1000
            
     <S>                                         <C>
     <PERIOD-TYPE>                                     9-MOS
     <FISCAL-YEAR-END>                           DEC-31-1997
     <PERIOD-END>                                SEP-30-1998
     <CASH>                                           26,726
     <INT-BEARING-DEPOSITS>                              305
     <FED-FUNDS-SOLD>                                 17,600
     <TRADING-ASSETS>                                      0
     <INVESTMENTS-HELD-FOR-SALE>                     339,637
     <INVESTMENTS-CARRYING>                           13,308
     <INVESTMENTS-MARKET>                             14,229
     <LOANS>                                         681,089
     <ALLOWANCE>                                      12,313
     <TOTAL-ASSETS>                                1,102,964
     <DEPOSITS>                                      954,323
     <SHORT-TERM>                                     12,402
     <LIABILITIES-OTHER>                              20,635
     <LONG-TERM>                                      25,324
     <COMMON>                                         32,113
     <PREFERRED-MANDATORY>                                 0
     <PREFERRED>                                           0
     <OTHER-SE>                                       58,167
     <TOTAL-LIABILITIES-AND-EQUITY>                1,102,964
     <INTEREST-LOAN>                                  44,079
     <INTEREST-INVEST>                                15,036
     <INTEREST-OTHER>                                    588
     <INTEREST-TOTAL>                                 59,703
     <INTEREST-DEPOSIT>                               26,380
     <INTEREST-EXPENSE>                               27,988
     <INTEREST-INCOME-NET>                            31,715 
     <LOAN-LOSSES>                                     1,485
     <SECURITIES-GAINS>                                  236 
     <EXPENSE-OTHER>                                  23,139
     <INCOME-PRETAX>                                  13,070
     <INCOME-PRE-EXTRAORDINARY>                       13,070
     <EXTRAORDINARY>                                       0
     <CHANGES>                                             0
     <NET-INCOME>                                      8,965
     <EPS-PRIMARY>                                      1.02
     <EPS-DILUTED>                                      1.00
     <YIELD-ACTUAL>                                     4.28
     <LOANS-NON>                                       4,365
     <LOANS-PAST>                                        979
     <LOANS-TROUBLED>                                      0
     <LOANS-PROBLEM>                                       0
     <ALLOWANCE-OPEN>                                 12,831
     <CHARGE-OFFS>                                     2,557
     <RECOVERIES>                                        554
     <ALLOWANCE-CLOSE>                                12,313
     <ALLOWANCE-DOMESTIC>                                  0
     <ALLOWANCE-FOREIGN>                                   0
     <ALLOWANCE-UNALLOCATED>                          12,313
             

     
</TABLE>