<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     These schedules contain summary financial information extracted from the
consolidated balance sheets, the consolidated statements of income, and Company
records, and are qualified in their entirety by reference to such financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                              36,136
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     8,850
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        127,862
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            501,950
<ALLOWANCE>                                          6,602
<TOTAL-ASSETS>                                     748,301
<DEPOSITS>                                         617,966
<SHORT-TERM>                                        36,374
<LIABILITIES-OTHER>                                  9,236
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                            905
<COMMON>                                            28,439
<OTHER-SE>                                          53,497
<TOTAL-LIABILITIES-AND-EQUITY>                     748,301
<INTEREST-LOAN>                                     47,846
<INTEREST-INVEST>                                    7,378
<INTEREST-OTHER>                                       691
<INTEREST-TOTAL>                                    55,915
<INTEREST-DEPOSIT>                                  22,734
<INTEREST-EXPENSE>                                  24,927
<INTEREST-INCOME-NET>                               30,988
<LOAN-LOSSES>                                        1,706
<SECURITIES-GAINS>                                     124
<EXPENSE-OTHER>                                      5,007
<INCOME-PRETAX>                                     10,367
<INCOME-PRE-EXTRAORDINARY>                          10,367
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         6,809
<EPS-PRIMARY>                                          .64
<EPS-DILUTED>                                          .59
<YIELD-ACTUAL>                                        8.83
<LOANS-NON>                                            537
<LOANS-PAST>                                         1,971
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     6,078
<CHARGE-OFFS>                                        1,524
<RECOVERIES>                                           322
<ALLOWANCE-CLOSE>                                    6,602
<ALLOWANCE-DOMESTIC>                                 6,602
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,159
        


</TABLE>