<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS DATED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          29,337
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,282
<INVESTMENTS-CARRYING>                         100,920
<INVESTMENTS-MARKET>                           102,512
<LOANS>                                      1,050,765
<ALLOWANCE>                                     10,486
<TOTAL-ASSETS>                               1,410,247
<DEPOSITS>                                     988,656
<SHORT-TERM>                                    16,332
<LIABILITIES-OTHER>                             16,625
<LONG-TERM>                                    267,492
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           652
<OTHER-SE>                                     120,490
<TOTAL-LIABILITIES-AND-EQUITY>               1,410,247
<INTEREST-LOAN>                                 77,358
<INTEREST-INVEST>                               19,888
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                97,246
<INTEREST-DEPOSIT>                              39,137
<INTEREST-EXPENSE>                              55,015
<INTEREST-INCOME-NET>                           42,231
<LOAN-LOSSES>                                  (1,705)
<SECURITIES-GAINS>                                 670
<EXPENSE-OTHER>                                 22,577
<INCOME-PRETAX>                                 25,545
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,386
<EPS-PRIMARY>                                     2.68
<EPS-DILUTED>                                     2.60
<YIELD-ACTUAL>                                    3.18
<LOANS-NON>                                      3,240
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,521
<CHARGE-OFFS>                                    1,500
<RECOVERIES>                                     1,170
<ALLOWANCE-CLOSE>                               10,486
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>