<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
              This schedule contains summary financial information extracted 
from the consolidated condensed statement of financial condition and the
consolidated condensed statement of income and is qualified in its entirety by
reference to such financial statements.

</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            DEC-31-1998
<PERIOD-START>                               JAN-01-1998
<PERIOD-END>                                 SEP-30-1998
<CASH>                                             9,627
<INT-BEARING-DEPOSITS>                               734
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      147,269
<INVESTMENTS-CARRYING>                             7,553
<INVESTMENTS-MARKET>                               7,550
<LOANS>                                          235,071
<ALLOWANCE>                                        1,673
<TOTAL-ASSETS>                                   423,008
<DEPOSITS>                                       228,053
<SHORT-TERM>                                      25,310
<LIABILITIES-OTHER>                               15,710
<LONG-TERM>                                       71,080
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          63,458
<OTHER-SE>                                        19,403
<TOTAL-LIABILITIES-AND-EQUITY>                   423,008
<INTEREST-LOAN>                                   12,132
<INTEREST-INVEST>                                  8,596
<INTEREST-OTHER>                                      97
<INTEREST-TOTAL>                                  20,825
<INTEREST-DEPOSIT>                                 5,400
<INTEREST-EXPENSE>                                 8,570
<INTEREST-INCOME-NET>                             12,255
<LOAN-LOSSES>                                        375
<SECURITIES-GAINS>                                   851
<EXPENSE-OTHER>                                    9,627
<INCOME-PRETAX>                                    5,127
<INCOME-PRE-EXTRAORDINARY>                         5,127
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       3,024
<EPS-PRIMARY>                                       0.50
<EPS-DILUTED>                                       0.50
<YIELD-ACTUAL>                                      4.43
<LOANS-NON>                                        1,039
<LOANS-PAST>                                          81
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                      609
<ALLOWANCE-OPEN>                                   1,372
<CHARGE-OFFS>                                        102
<RECOVERIES>                                          28
<ALLOWANCE-CLOSE>                                  1,673
<ALLOWANCE-DOMESTIC>                               1,673
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        

</TABLE>