<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE AUDITED CONSOLIDATED CONDENSED FINANCIAL STATEMENTS OF SHORELINE
FINANCIAL CORPORATION, INC. AND SUBSIDIARIES FOR THE PERIOD ENDED DECEMBER
31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000
       
<S>                                                            <C>
<PERIOD-TYPE>                                                        12-MOS
<FISCAL-YEAR-END>                                               DEC-31-1998
<PERIOD-START>                                                  JAN-01-1998
<PERIOD-END>                                                    DEC-31-1998
<CASH>                                                               35,814
<INT-BEARING-DEPOSITS>                                               20,301
<FED-FUNDS-SOLD>                                                     15,775
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                         190,735
<INVESTMENTS-CARRYING>                                               25,166
<INVESTMENTS-MARKET>                                                 26,180
<LOANS>                                                             635,159
<ALLOWANCE>                                                           7,883
<TOTAL-ASSETS>                                                      955,264
<DEPOSITS>                                                          795,842
<SHORT-TERM>                                                         21,191
<LIABILITIES-OTHER>                                                   4,542
<LONG-TERM>                                                          46,478
<COMMON>                                                                  0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           87,211
<TOTAL-LIABILITIES-AND-EQUITY>                                      955,264
<INTEREST-LOAN>                                                      53,934
<INTEREST-INVEST>                                                    12,132
<INTEREST-OTHER>                                                      2,058
<INTEREST-TOTAL>                                                     68,124
<INTEREST-DEPOSIT>                                                   30,491
<INTEREST-EXPENSE>                                                   34,133
<INTEREST-INCOME-NET>                                                33,991
<LOAN-LOSSES>                                                           600
<SECURITIES-GAINS>                                                       65
<EXPENSE-OTHER>                                                      23,452
<INCOME-PRETAX>                                                      17,590
<INCOME-PRE-EXTRAORDINARY>                                           17,590
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                         12,114
<EPS-PRIMARY>                                                          1.35
<EPS-DILUTED>                                                          1.34
<YIELD-ACTUAL>                                                         2.50
<LOANS-NON>                                                           1,080
<LOANS-PAST>                                                            427
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                       3,556
<ALLOWANCE-OPEN>                                                      7,588
<CHARGE-OFFS>                                                           790
<RECOVERIES>                                                            296
<ALLOWANCE-CLOSE>                                                     7,883
<ALLOWANCE-DOMESTIC>                                                  4,739
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                               3,145
        


</TABLE>