<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE FINANCIAL DATA SCHEDULE CONTAINS FINANCIAL INFORMATION FROM THE
CORPORATION'S INTERIM CONSOLIDATED FINANCIAL STATEMENTS CONTAINED IN ITS
QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED SEPTEMEBER 30, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          23,682
<INT-BEARING-DEPOSITS>                          11,562
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 4,207
<INVESTMENTS-HELD-FOR-SALE>                     58,882
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        784,822
<ALLOWANCE>                                      3,703
<TOTAL-ASSETS>                                 930,244
<DEPOSITS>                                     676,929
<SHORT-TERM>                                    41,905
<LIABILITIES-OTHER>                             10,186
<LONG-TERM>                                    127,863
<PREFERRED-MANDATORY>                                0 
<PREFERRED>                                          0
<COMMON>                                            61 
<OTHER-SE>                                      73,300
<TOTAL-LIABILITIES-AND-EQUITY>                 930,244
<INTEREST-LOAN>                                 46,922
<INTEREST-INVEST>                                2,948
<INTEREST-OTHER>                                   937
<INTEREST-TOTAL>                                50,807
<INTEREST-DEPOSIT>                              22,878
<INTEREST-EXPENSE>                              30,017
<INTEREST-INCOME-NET>                           20,790
<LOAN-LOSSES>                                      675
<SECURITIES-GAINS>                                (24)
<EXPENSE-OTHER>                                 15,695
<INCOME-PRETAX>                                  9,961
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,263
<EPS-PRIMARY>                                     1.14
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    3.26
<LOANS-NON>                                      3,499
<LOANS-PAST>                                       115
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,293
<CHARGE-OFFS>                                      390
<RECOVERIES>                                       125
<ALLOWANCE-CLOSE>                                3,703
<ALLOWANCE-DOMESTIC>                             3,242
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            461
        

</TABLE>