<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Form 10-K filed as of December 31, 1998.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          27,048
<INT-BEARING-DEPOSITS>                           3,373
<FED-FUNDS-SOLD>                                 9,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    235,569
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        567,917
<ALLOWANCE>                                      9,509
<TOTAL-ASSETS>                                 880,284
<DEPOSITS>                                     714,168
<SHORT-TERM>                                    32,514
<LIABILITIES-OTHER>                              6,924
<LONG-TERM>                                     40,664
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,807
<OTHER-SE>                                      35,207
<TOTAL-LIABILITIES-AND-EQUITY>                 880,284
<INTEREST-LOAN>                                 48,857
<INTEREST-INVEST>                               11,386
<INTEREST-OTHER>                                 3,402
<INTEREST-TOTAL>                                63,645
<INTEREST-DEPOSIT>                              26,051
<INTEREST-EXPENSE>                              30,497
<INTEREST-INCOME-NET>                           33,148
<LOAN-LOSSES>                                    2,325
<SECURITIES-GAINS>                                 418
<EXPENSE-OTHER>                                 23,276
<INCOME-PRETAX>                                 14,785
<INCOME-PRE-EXTRAORDINARY>                      10,045
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,045
<EPS-PRIMARY>                                     1.75
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    4.47
<LOANS-NON>                                        687
<LOANS-PAST>                                       495
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,356
<CHARGE-OFFS>                                    1,645
<RECOVERIES>                                       473
<ALLOWANCE-CLOSE>                                9,509
<ALLOWANCE-DOMESTIC>                             9,509
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,115