<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE THIRD QUARTER
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          46,581
<INT-BEARING-DEPOSITS>                              61
<FED-FUNDS-SOLD>                                   293
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     75,090
<INVESTMENTS-CARRYING>                         249,087
<INVESTMENTS-MARKET>                           253,218
<LOANS>                                        498,706
<ALLOWANCE>                                      5,446
<TOTAL-ASSETS>                                 916,666
<DEPOSITS>                                     708,674
<SHORT-TERM>                                   105,165
<LIABILITIES-OTHER>                              6,167
<LONG-TERM>                                     44,623
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      50,584
<TOTAL-LIABILITIES-AND-EQUITY>                 916,666
<INTEREST-LOAN>                                 33,012
<INTEREST-INVEST>                               13,786
<INTEREST-OTHER>                                   418
<INTEREST-TOTAL>                                47,216
<INTEREST-DEPOSIT>                              20,999
<INTEREST-EXPENSE>                              26,747
<INTEREST-INCOME-NET>                           20,469
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                 994
<EXPENSE-OTHER>                                 19,571
<INCOME-PRETAX>                                  8,729
<INCOME-PRE-EXTRAORDINARY>                       8,729
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,909
<EPS-PRIMARY>                                     1.02
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    1.01
<LOANS-NON>                                        542
<LOANS-PAST>                                       263
<LOANS-TROUBLED>                                 1,307
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,308
<CHARGE-OFFS>                                      311
<RECOVERIES>                                        89
<ALLOWANCE-CLOSE>                                5,446
<ALLOWANCE-DOMESTIC>                             1,537
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,909