<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 17409 <INT-BEARING-DEPOSITS> 496 <FED-FUNDS-SOLD> 10950 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 130760 <INVESTMENTS-CARRYING> 3544 <INVESTMENTS-MARKET> 3605 <LOANS> 346873 <ALLOWANCE> 2837 <TOTAL-ASSETS> 537242 <DEPOSITS> 444698 <SHORT-TERM> 33575 <LIABILITIES-OTHER> 3697 <LONG-TERM> 5075 <PREFERRED-MANDATORY> 0 <PREFERRED> 3100 <COMMON> 8072 <OTHER-SE> 39025 <TOTAL-LIABILITIES-AND-EQUITY> 537242 <INTEREST-LOAN> 21887 <INTEREST-INVEST> 5855 <INTEREST-OTHER> 311 <INTEREST-TOTAL> 28053 <INTEREST-DEPOSIT> 12625 <INTEREST-EXPENSE> 13936 <INTEREST-INCOME-NET> 14117 <LOAN-LOSSES> 400 <SECURITIES-GAINS> 64 <EXPENSE-OTHER> 12686 <INCOME-PRETAX> 5626 <INCOME-PRE-EXTRAORDINARY> 5626 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3794 <EPS-PRIMARY> 1.79 <EPS-DILUTED> 1.68 <YIELD-ACTUAL> 3.97 <LOANS-NON> 2907 <LOANS-PAST> 441 <LOANS-TROUBLED> 93 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2636 <CHARGE-OFFS> 277 <RECOVERIES> 78 <ALLOWANCE-CLOSE> 2837 <ALLOWANCE-DOMESTIC> 2837 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 509