<ARTICLE>                                           9
<LEGEND>                                             
This schedule contains summary financial information extracted from the December
31, 1998  financial  statements and is qualified in its entirety by reference to
such financial statements.
</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>                                                        38,385
<INT-BEARING-DEPOSITS>                                         1,914
<FED-FUNDS-SOLD>                                              51,535
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                  191,487
<INVESTMENTS-CARRYING>                                        71,369
<INVESTMENTS-MARKET>                                          73,167
<LOANS>                                                      604,683
<ALLOWANCE>                                                    9,048
<TOTAL-ASSETS>                                               992,338
<DEPOSITS>                                                   830,001
<SHORT-TERM>                                                  26,784
<LIABILITIES-OTHER>                                           11,714
<LONG-TERM>                                                    3,466
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                         940
<OTHER-SE>                                                   122,899
<TOTAL-LIABILITIES-AND-EQUITY>                               992,338
<INTEREST-LOAN>                                               54,556
<INTEREST-INVEST>                                             12,183
<INTEREST-OTHER>                                               2,942
<INTEREST-TOTAL>                                              69,681
<INTEREST-DEPOSIT>                                            27,138
<INTEREST-EXPENSE>                                            29,147
<INTEREST-INCOME-NET>                                         40,534
<LOAN-LOSSES>                                                  1,134
<SECURITIES-GAINS>                                                60
<EXPENSE-OTHER>                                               32,646
<INCOME-PRETAX>                                               19,534
<INCOME-PRE-EXTRAORDINARY>                                    19,534
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                  14,247
<EPS-PRIMARY>                                                   1.89
<EPS-DILUTED>                                                   1.86
<YIELD-ACTUAL>                                                  4.91
<LOANS-NON>                                                    1,286
<LOANS-PAST>                                                   1,645
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               9,114
<CHARGE-OFFS>                                                  2,272
<RECOVERIES>                                                   1,072
<ALLOWANCE-CLOSE>                                              9,048
<ALLOWANCE-DOMESTIC>                                           9,048
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0