<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