<TABLE> <S> <C>

<ARTICLE>                                                       9
<MULTIPLIER>                                                1,000
       
<S>                                                   <C>
<PERIOD-TYPE>                                               9-Mos
<FISCAL-YEAR-END>                                     Dec-31-1998
<PERIOD-END>                                          Sep-30-1998
<CASH>                                                     14,288
<INT-BEARING-DEPOSITS>                                         24
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                86,351
<INVESTMENTS-CARRYING>                                     59,408
<INVESTMENTS-MARKET>                                       60,360
<LOANS>                                                   475,791
<ALLOWANCE>                                                 5,493
<TOTAL-ASSETS>                                            648,525
<DEPOSITS>                                                563,815
<SHORT-TERM>                                                9,930
<LIABILITIES-OTHER>                                         4,432
<LONG-TERM>                                                 9,797
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 55,154
<TOTAL-LIABILITIES-AND-EQUITY>                            648,525
<INTEREST-LOAN>                                            29,238
<INTEREST-INVEST>                                           6,358
<INTEREST-OTHER>                                            1,162
<INTEREST-TOTAL>                                           36,758
<INTEREST-DEPOSIT>                                         13,956
<INTEREST-EXPENSE>                                         15,090
<INTEREST-INCOME-NET>                                      21,668
<LOAN-LOSSES>                                                 641
<SECURITIES-GAINS>                                             94
<EXPENSE-OTHER>                                            14,654
<INCOME-PRETAX>                                             9,228
<INCOME-PRE-EXTRAORDINARY>                                  5,952
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                5,952
<EPS-PRIMARY>                                                0.83
<EPS-DILUTED>                                                0.82
<YIELD-ACTUAL>                                               4.65
<LOANS-NON>                                                 1,207
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              543
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,231
<CHARGE-OFFS>                                                 448
<RECOVERIES>                                                   69
<ALLOWANCE-CLOSE>                                           5,493
<ALLOWANCE-DOMESTIC>                                        5,493
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       982
        


</TABLE>