<TABLE> <S> <C>


<ARTICLE>                                          9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.

</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                              33,642
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     3,900
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        130,706
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            489,078
<ALLOWANCE>                                              0
<TOTAL-ASSETS>                                     722,907
<DEPOSITS>                                         603,836
<SHORT-TERM>                                        26,463
<LIABILITIES-OTHER>                                  9,162
<LONG-TERM>                                          2,296
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                            905
<COMMON>                                            28,439
<OTHER-SE>                                          51,806
<TOTAL-LIABILITIES-AND-EQUITY>                     722,907
<INTEREST-LOAN>                                     36,896
<INTEREST-INVEST>                                    5,574
<INTEREST-OTHER>                                     1,057
<INTEREST-TOTAL>                                    43,527
<INTEREST-DEPOSIT>                                  16,985
<INTEREST-EXPENSE>                                  18,812
<INTEREST-INCOME-NET>                               24,715
<LOAN-LOSSES>                                        1,390
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      3,668
<INCOME-PRETAX>                                      8,235
<INCOME-PRE-EXTRAORDINARY>                           8,235
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,865
<EPS-PRIMARY>                                          .47
<EPS-DILUTED>                                          .43
<YIELD-ACTUAL>                                        4.49
<LOANS-NON>                                          1,963
<LOANS-PAST>                                         2,714
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        721
<ALLOWANCE-OPEN>                                     5,002
<CHARGE-OFFS>                                          764
<RECOVERIES>                                            35
<ALLOWANCE-CLOSE>                                    6,795
<ALLOWANCE-DOMESTIC>                                 6,210
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                585

        

</TABLE>