<TABLE> <S> <C>

<ARTICLE>                     9
       
<S>                                                   <C>
<PERIOD-TYPE>                                              9-MOS
<FISCAL-YEAR-END>                                     DEC-31-1998
<PERIOD-END>                                          SEP-30-1998
<CASH>                                                    15,451
<INT-BEARING-DEPOSITS>                                         1
<FED-FUNDS-SOLD>                                           1,225
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              456,298
<INVESTMENTS-CARRYING>                                    41,057
<INVESTMENTS-MARKET>                                           0
<LOANS>                                                  585,098
<ALLOWANCE>                                               (6,876)
<TOTAL-ASSETS>                                         1,134,102
<DEPOSITS>                                               839,381
<SHORT-TERM>                                              49,437
<LIABILITIES-OTHER>                                        5,738
<LONG-TERM>                                              136,445
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                   4,561
<OTHER-SE>                                                98,540
<TOTAL-LIABILITIES-AND-EQUITY>                         1,134,102
<INTEREST-LOAN>                                           34,462
<INTEREST-INVEST>                                         22,762
<INTEREST-OTHER>                                             536
<INTEREST-TOTAL>                                          57,760
<INTEREST-DEPOSIT>                                        23,754
<INTEREST-EXPENSE>                                        31,989
<INTEREST-INCOME-NET>                                     25,771
<LOAN-LOSSES>                                                 75
<SECURITIES-GAINS>                                         1,096
<EXPENSE-OTHER>                                           14,171
<INCOME-PRETAX>                                           15,093
<INCOME-PRE-EXTRAORDINARY>                                15,093
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                               9,318
<EPS-PRIMARY>                                               1.04
<EPS-DILUTED>                                               0.99
<YIELD-ACTUAL>                                              7.14
<LOANS-NON>                                                1,795
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                           6,733
<CHARGE-OFFS>                                                153
<RECOVERIES>                                                 221
<ALLOWANCE-CLOSE>                                          6,876
<ALLOWANCE-DOMESTIC>                                       6,876
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0
        


</TABLE>