<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                          45,983
<INT-BEARING-DEPOSITS>                           2,338
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,903
<INVESTMENTS-CARRYING>                         329,132
<INVESTMENTS-MARKET>                           334,015
<LOANS>                                        224,986
<ALLOWANCE>                                      2,100
<TOTAL-ASSETS>                                 696,155
<DEPOSITS>                                     449,708
<SHORT-TERM>                                    35,000
<LIABILITIES-OTHER>                             10,562
<LONG-TERM>                                    148,359
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           529
<OTHER-SE>                                      51,997
<TOTAL-LIABILITIES-AND-EQUITY>                 696,155
<INTEREST-LOAN>                                 14,064
<INTEREST-INVEST>                               17,252
<INTEREST-OTHER>                                 1,202
<INTEREST-TOTAL>                                32,518
<INTEREST-DEPOSIT>                              13,103
<INTEREST-EXPENSE>                              19,344
<INTEREST-INCOME-NET>                           13,174
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                 344
<EXPENSE-OTHER>                                 10,036
<INCOME-PRETAX>                                  4,537
<INCOME-PRE-EXTRAORDINARY>                       4,537
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,850
<EPS-PRIMARY>                                      .97
<EPS-DILUTED>                                      .88
<YIELD-ACTUAL>                                    2.76
<LOANS-NON>                                          0
<LOANS-PAST>                                     1,700
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,029
<CHARGE-OFFS>                                        4
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                2,077
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,077
        


</TABLE>