<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Condensed Statements of Condition at September 30, 1998 (unaudited)
and the Consolidated Condensed Statements of Income for the Nine Months Ended
September 30, 1998 (unaudited) 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-START>                                 JAN-01-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                               8,874
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                       382
<INVESTMENTS-HELD-FOR-SALE>                        225,926
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            270,621      
<ALLOWANCE>                                         (5,534)
<TOTAL-ASSETS>                                     514,269 
<DEPOSITS>                                         327,042 
<SHORT-TERM>                                        38,654 
<LIABILITIES-OTHER>                                  3,719 
<LONG-TERM>                                         95,710 
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                              0 
<COMMON>                                             5,636 
<OTHER-SE>                                          43,508 
<TOTAL-LIABILITIES-AND-EQUITY>                     514,269 
<INTEREST-LOAN>                                     16,857 
<INTEREST-INVEST>                                    8,989 
<INTEREST-OTHER>                                       345 
<INTEREST-TOTAL>                                    26,191 
<INTEREST-DEPOSIT>                                   9,259 
<INTEREST-EXPENSE>                                  13,726 
<INTEREST-INCOME-NET>                               12,465 
<LOAN-LOSSES>                                          218 
<SECURITIES-GAINS>                                   1,166 
<EXPENSE-OTHER>                                      7,638 
<INCOME-PRETAX>                                      7,343 
<INCOME-PRE-EXTRAORDINARY>                           7,343 
<EXTRAORDINARY>                                          0 
<CHANGES>                                                0 
<NET-INCOME>                                         5,025 
<EPS-PRIMARY>                                         0.98 
<EPS-DILUTED>                                         0.90 
<YIELD-ACTUAL>                                        7.43 
<LOANS-NON>                                          2,067 
<LOANS-PAST>                                            37 
<LOANS-TROUBLED>                                         0 
<LOANS-PROBLEM>                                      5,581 
<ALLOWANCE-OPEN>                                     5,306 
<CHARGE-OFFS>                                           85 
<RECOVERIES>                                            95 
<ALLOWANCE-CLOSE>                                    5,534 
<ALLOWANCE-DOMESTIC>                                 3,492 
<ALLOWANCE-FOREIGN>                                      0 
<ALLOWANCE-UNALLOCATED>                              2,042 
                                                   

</TABLE>