<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-END>                              SEP-30-1998     SEP-30-1997 
<CASH>                                         23,688          36,791 
<INT-BEARING-DEPOSITS>                              0               0
<FED-FUNDS-SOLD>                                2,625          14,530 
<TRADING-ASSETS>                                    0               0 
<INVESTMENTS-HELD-FOR-SALE>                    17,660         130,591 
<INVESTMENTS-CARRYING>                        114,667         111,032 
<INVESTMENTS-MARKET>                          120,685         115,920 
<LOANS>                                       371,561         331,813 
<ALLOWANCE>                                     8,403           8,568 
<TOTAL-ASSETS>                                696,958         632,328 
<DEPOSITS>                                    618,179         554,841 
<SHORT-TERM>                                    7,978          10,820 
<LIABILITIES-OTHER>                             8,117           6,416 
<LONG-TERM>                                     6,617           7,013 
<PREFERRED-MANDATORY>                               0               0 
<PREFERRED>                                         0               0 
<COMMON>                                        9,744           9,688 
<OTHER-SE>                                     46,323          43,550 
<TOTAL-LIABILITIES-AND-EQUITY>                696,958         632,328 
<INTEREST-LOAN>                                24,489          22,841 
<INTEREST-INVEST>                              14,394          12,756 
<INTEREST-OTHER>                                  195             346 
<INTEREST-TOTAL>                               39,078          35,943 
<INTEREST-DEPOSIT>                             18,408          15,741 
<INTEREST-EXPENSE>                             19,391          16,629 
<INTEREST-INCOME-NET>                          19,687          19,314 
<LOAN-LOSSES>                                     610             125 
<SECURITIES-GAINS>                                318             323 
<EXPENSE-OTHER>                                14,745          13,503 
<INCOME-PRETAX>                                 7,332           8,297 
<INCOME-PRE-EXTRAORDINARY>                      7,332           8,297 
<EXTRAORDINARY>                                     0               0 
<CHANGES>                                           0               0 
<NET-INCOME>                                    5,428           5,812 
<EPS-PRIMARY>                                    0.71            0.75 
<EPS-DILUTED>                                    0.71            0.75 
<YIELD-ACTUAL>                                   4.33            4.77 
<LOANS-NON>                                     3,874           2,196 
<LOANS-PAST>                                    1,580           1,352 
<LOANS-TROUBLED>                                    0               0 
<LOANS-PROBLEM>                                     0               0 
<ALLOWANCE-OPEN>                                8,378           8,367 
<CHARGE-OFFS>                                     954           1,020 
<RECOVERIES>                                      369           1,096 
<ALLOWANCE-CLOSE>                               8,403           8,568 
<ALLOWANCE-DOMESTIC>                            8,403           8,568 
<ALLOWANCE-FOREIGN>                                 0               0 
<ALLOWANCE-UNALLOCATED>                             0               0 
                                                               



</TABLE>