<TABLE> <S> <C>



<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements at September 30, 1998, and is 
qualified in its entirety by reference to the December 31, 1997 
Consolidated Financial Statements.
</LEGEND>
       
<S>                             <C>        <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           6,598
<INT-BEARING-DEPOSITS>                           1,892
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    139,796
<INVESTMENTS-CARRYING>                         139,626
<INVESTMENTS-MARKET>                           139,796
<LOANS>                                        418,317
<ALLOWANCE>                                      4,783
<TOTAL-ASSETS>                                 580,529
<DEPOSITS>                                     346,410
<SHORT-TERM>                                    55,571
<LIABILITIES-OTHER>                             11,777
<LONG-TERM>                                    120,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      46,727
<TOTAL-LIABILITIES-AND-EQUITY>                 580,529 
<INTEREST-LOAN>                                 23,823
<INTEREST-INVEST>                                6,866
<INTEREST-OTHER>                                   434
<INTEREST-TOTAL>                                31,123
<INTEREST-DEPOSIT>                              11,894
<INTEREST-EXPENSE>                              18,932
<INTEREST-INCOME-NET>                           12,191
<LOAN-LOSSES>                                    1,567
<SECURITIES-GAINS>                                 800
<EXPENSE-OTHER>                                 10,335
<INCOME-PRETAX>                                  4,376
<INCOME-PRE-EXTRAORDINARY>                       4,376
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,881
<EPS-PRIMARY>                                      .68
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    7.45
<LOANS-NON>                                          0
<LOANS-PAST>                                     1,483
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,977
<CHARGE-OFFS>                                      878
<RECOVERIES>                                       117
<ALLOWANCE-CLOSE>                                4,783
<ALLOWANCE-DOMESTIC>                             4,783
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0            
        



</TABLE>