<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q filed as of September 30, 1998.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          26,950
<INT-BEARING-DEPOSITS>                           2,025
<FED-FUNDS-SOLD>                                26,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    237,355
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        542,447
<ALLOWANCE>                                      9,357
<TOTAL-ASSETS>                                 875,747
<DEPOSITS>                                     706,536
<SHORT-TERM>                                    34,807
<LIABILITIES-OTHER>                              8,373
<LONG-TERM>                                     41,191
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,688
<OTHER-SE>                                      34,152
<TOTAL-LIABILITIES-AND-EQUITY>                 875,747
<INTEREST-LOAN>                                 36,448
<INTEREST-INVEST>                                8,465
<INTEREST-OTHER>                                 2,493
<INTEREST-TOTAL>                                47,406
<INTEREST-DEPOSIT>                              19,205
<INTEREST-EXPENSE>                              22,772
<INTEREST-INCOME-NET>                           24,634
<LOAN-LOSSES>                                    1,788
<SECURITIES-GAINS>                                 418
<EXPENSE-OTHER>                                 16,901
<INCOME-PRETAX>                                  7,504
<INCOME-PRE-EXTRAORDINARY>                       7,504
<EXTRAORDINARY>                                  (232)
<CHANGES>                                            0
<NET-INCOME>                                     7,272
<EPS-PRIMARY>                                     1.26
<EPS-DILUTED>                                     1.22
<YIELD-ACTUAL>                                    4.50
<LOANS-NON>                                      1,173
<LOANS-PAST>                                       508
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,356
<CHARGE-OFFS>                                    1,181
<RECOVERIES>                                       394
<ALLOWANCE-CLOSE>                                9,357
<ALLOWANCE-DOMESTIC>                             9,357
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,311