<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 33,247 <INT-BEARING-DEPOSITS> 556 <FED-FUNDS-SOLD> 7,571 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 332,772 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 881,833 <ALLOWANCE> 8,862 <TOTAL-ASSETS> 1,294,906 <DEPOSITS> 1,014,078 <SHORT-TERM> 0 <LIABILITIES-OTHER> 129,256 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,495 <OTHER-SE> 150,077 <TOTAL-LIABILITIES-AND-EQUITY> 1,294,906 <INTEREST-LOAN> 56,743 <INTEREST-INVEST> 11,637 <INTEREST-OTHER> 1,132 <INTEREST-TOTAL> 69,512 <INTEREST-DEPOSIT> 30,043 <INTEREST-EXPENSE> 32,854 <INTEREST-INCOME-NET> 36,658 <LOAN-LOSSES> 1,551 <SECURITIES-GAINS> 127 <EXPENSE-OTHER> 23,851 <INCOME-PRETAX> 20,578 <INCOME-PRE-EXTRAORDINARY> 13,366 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,366 <EPS-BASIC> 1.12 <EPS-DILUTED> 1.11 <YIELD-ACTUAL> 4.43 <LOANS-NON> 1678 <LOANS-PAST> 2737 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,429 <CHARGE-OFFS> 1490 <RECOVERIES> 372 <ALLOWANCE-CLOSE> 8,862 <ALLOWANCE-DOMESTIC> 8,862 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0