<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THE FINANCIAL DATA SCHEDULE CONTAINS FINANCIAL INFORMATION FROM THE
CORPORATION'S CONSOLIDATED FINANCIAL STATEMENTS CONTAINED IN ITS ANNUAL REPORT
ON FORM 10-K 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>                                              20,437
<INT-BEARING-DEPOSITS>                              21,788
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                     3,375
<INVESTMENTS-HELD-FOR-SALE>                         71,646
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            773,593
<ALLOWANCE>                                          3,823
<TOTAL-ASSETS>                                     938,030
<DEPOSITS>                                         693,632
<SHORT-TERM>                                        61,405
<LIABILITIES-OTHER>                                 10,723
<LONG-TERM>                                         98,863
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                62
<OTHER-SE>                                          73,345
<TOTAL-LIABILITIES-AND-EQUITY>                     938,030
<INTEREST-LOAN>                                     62,646
<INTEREST-INVEST>                                    3,833
<INTEREST-OTHER>                                     1,425
<INTEREST-TOTAL>                                    67,904
<INTEREST-DEPOSIT>                                  30,383
<INTEREST-EXPENSE>                                   9,629
<INTEREST-INCOME-NET>                               27,892
<LOAN-LOSSES>                                          930
<SECURITIES-GAINS>                                     (24)
<EXPENSE-OTHER>                                     21,092
<INCOME-PRETAX>                                     13,681
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         8,668
<EPS-PRIMARY>                                         1.59
<EPS-DILUTED>                                         1.44
<YIELD-ACTUAL>                                        3.26
<LOANS-NON>                                          3,135
<LOANS-PAST>                                            64
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,293
<CHARGE-OFFS>                                          576
<RECOVERIES>                                           176
<ALLOWANCE-CLOSE>                                    3,823
<ALLOWANCE-DOMESTIC>                                 3,314
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                509
        

</TABLE>