<TABLE> <S> <C>

<ARTICLE>                                                      9
       
<S>                                               <C>    
<FISCAL-YEAR-END>                                    DEC-31-1998
<PERIOD-END>                                         SEP-30-1998
<PERIOD-TYPE>                                              9-MOS
<CASH>                                                40,107,904
<INT-BEARING-DEPOSITS>                                 2,717,662
<FED-FUNDS-SOLD>                                       8,960,000
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                          207,386,045
<INVESTMENTS-CARRYING>                                20,747,334
<INVESTMENTS-MARKET>                                  20,982,470
<LOANS>                                              703,028,494
<ALLOWANCE>                                            8,244,573
<TOTAL-ASSETS>                                     1,011,912,326
<DEPOSITS>                                           869,760,568
<SHORT-TERM>                                          18,628,142
<LIABILITIES-OTHER>                                    8,358,566
<LONG-TERM>                                           43,500,000
<COMMON>                                              46,762,292
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<OTHER-SE>                                            24,902,758
<TOTAL-LIABILITIES-AND-EQUITY>                     1,011,912,326
<INTEREST-LOAN>                                       48,679,090
<INTEREST-INVEST>                                      9,776,568
<INTEREST-OTHER>                                       1,235,490
<INTEREST-TOTAL>                                      59,691,148
<INTEREST-DEPOSIT>                                    24,608,170
<INTEREST-EXPENSE>                                    27,553,527
<INTEREST-INCOME-NET>                                 32,137,621
<LOAN-LOSSES>                                          2,372,000
<SECURITIES-GAINS>                                        19,852
<EXPENSE-OTHER>                                       27,091,694
<INCOME-PRETAX>                                        9,033,065
<INCOME-PRE-EXTRAORDINARY>                             9,033,065
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                           5,328,000
<EPS-PRIMARY>                                               0.79
<EPS-DILUTED>                                               0.79
<YIELD-ACTUAL>                                              4.63
<LOANS-NON>                                              817,270
<LOANS-PAST>                                             124,526
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                       7,321,491
<CHARGE-OFFS>                                          1,966,053
<RECOVERIES>                                             517,135
<ALLOWANCE-CLOSE>                                      8,244,573
<ALLOWANCE-DOMESTIC>                                   7,744,573
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                  500,000
        

</TABLE>