<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                             <C>             <C>             <C>             <C>
<PERIOD-TYPE>                   3-MOS           9-MOS           3-MOS           9-MOS
<FISCAL-YEAR-END>               DEC-31-1998     DEC-31-1998     DEC-31-1997     DEC-31-1997
<PERIOD-START>                  JUL-01-1998     JAN-01-1998     JUL-01-1997     JAN-01-1997
<PERIOD-END>                    SEP-30-1998     SEP-30-1998     SEP-30-1997     SEP-30-1997
<CASH>                          28,572          28,572          60,867          60,867
<INT-BEARING-DEPOSITS>          56,256          56,256          75,473          75,473
<FED-FUNDS-SOLD>                0               0               7,665           7,665
<TRADING-ASSETS>                0               0               0               0
<INVESTMENTS-HELD-FOR-SALE>     149,573         149,573         129,748         129,748
<INVESTMENTS-CARRYING>          11,624          11,624          10,277          10,277
<INVESTMENTS-MARKET>            11,688          11,688          10,305          10,305
<LOANS>                         806,418         806,418         750,140         750,140
<ALLOWANCE>                     7,786           7,786           7,050           7,050
<TOTAL-ASSETS>                  1,120,316       1,120,316       1,091,236       1,091,236
<DEPOSITS>                      902,035         902,035         870,002         870,002
<SHORT-TERM>                    0               0               63,397          63,397
<LIABILITIES-OTHER>             41,769          41,769          38,655          38,655
<LONG-TERM>                     76,979          76,979          25,000          25,000
<PREFERRED-MANDATORY>           0               0               0               0
<PREFERRED>                     0               0               10,286          10,286
<COMMON>                        71,795          71,795          60,470          60,470
<OTHER-SE>                      27,737          27,737          23,426          23,426
<TOTAL-LIABILITIES-AND-EQUITY>  1,120,316       1,120,316       1,091,236       1,091,236
<INTEREST-LOAN>                 17,140          51,890          16,064          47,060
<INTEREST-INVEST>               3,170           8,476           3,279           9,463
<INTEREST-OTHER>                0               0               0               0
<INTEREST-TOTAL>                20,310          60,366          19,343          56,523
<INTEREST-DEPOSIT>              7,991           22,849          7,442           21,557
<INTEREST-EXPENSE>              9,199           26,226          8,121           23,529
<INTEREST-INCOME-NET>           11,111          34,140          11,222          32,994
<LOAN-LOSSES>                   1,400           1,599           81              918
<SECURITIES-GAINS>              0               381             262             436
<EXPENSE-OTHER>                 10,744          28,853          9,962           32,873
<INCOME-PRETAX>                 1,955           12,663          4,056           7,159
<INCOME-PRE-EXTRAORDINARY>      1,955           12,663          4,056           7,159
<EXTRAORDINARY>                 0               0               0               0
<CHANGES>                       0               0               0               0
<NET-INCOME>                    1,232           8,013           2,991           5,797
<EPS-PRIMARY>                   0.05            0.32            0.12            0.22
<EPS-DILUTED>                   0.05            0.31            0.11            0.22
<YIELD-ACTUAL>                  4.43            4.67            4.91            4.90
<LOANS-NON>                     6,230           6,230           8,063           8,063
<LOANS-PAST>                    0               0               0               0
<LOANS-TROUBLED>                0               0               0               0
<LOANS-PROBLEM>                 0               0               0               0
<ALLOWANCE-OPEN>                6,616           7,050           7,503           7,660
<CHARGE-OFFS>                   335             1,362           989             798
<RECOVERIES>                    105             499             55              566
<ALLOWANCE-CLOSE>               7,786           7,786           6,650           6,650
<ALLOWANCE-DOMESTIC>            7,786           7,786           6,650           6,650
<ALLOWANCE-FOREIGN>             0               0               0               0
<ALLOWANCE-UNALLOCATED>         1,625           1,625           1,208           1,208
        


</TABLE>