<ARTICLE>                                            9

<MULTIPLIER>                    1,000               
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>               DEC-31-1998               
<PERIOD-END>                    DEC-31-1998               
<CASH>                           50,483               
<INT-BEARING-DEPOSITS>                0               
<FED-FUNDS-SOLD>                      0         
<TRADING-ASSETS>                      0         
<INVESTMENTS-HELD-FOR-SALE>     279,676         
<INVESTMENTS-CARRYING>                0               
<INVESTMENTS-MARKET>                  0               
<LOANS>                         532,433               
<ALLOWANCE>                       8,206              
<TOTAL-ASSETS>                  904,599               
<DEPOSITS>                      769,173               
<SHORT-TERM>                     14,000             
<LIABILITIES-OTHER>              11,473              
<LONG-TERM>                      37,924              
<PREFERRED-MANDATORY>                 0         
<PREFERRED>                           0         
<COMMON>                         48,838              
<OTHER-SE>                       23,191              
<TOTAL-LIABILITIES-AND-EQUITY>  904,599               
<INTEREST-LOAN>                  48,506              
<INTEREST-INVEST>                16,482              
<INTEREST-OTHER>                    150           
<INTEREST-TOTAL>                 65,138              
<INTEREST-DEPOSIT>               22,865              
<INTEREST-EXPENSE>               25,296              
<INTEREST-INCOME-NET>            39,842              
<LOAN-LOSSES>                     4,200             
<SECURITIES-GAINS>                  316           
<EXPENSE-OTHER>                  34,692              
<INCOME-PRETAX>                  13,819              
<INCOME-PRE-EXTRAORDINARY>       13,819        
<EXTRAORDINARY>                       0         
<CHANGES>                             0         
<NET-INCOME>                      8,770             
<EPS-PRIMARY>                      1.25            
<EPS-DILUTED>                      1.21            
<YIELD-ACTUAL>                     8.56            
<LOANS-NON>                       1,045        
<LOANS-PAST>                        620           
<LOANS-TROUBLED>                      0         
<LOANS-PROBLEM>                       0         
<ALLOWANCE-OPEN>                  6,459             
<CHARGE-OFFS>                     2,755             
<RECOVERIES>                        302           
<ALLOWANCE-CLOSE>                 8,206             
<ALLOWANCE-DOMESTIC>              8,206             
<ALLOWANCE-FOREIGN>                   0         
<ALLOWANCE-UNALLOCATED>               0