WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. ARTICLE 9 - FINANCIAL DATA SCHEDULE At September 30, 1998, and for the nine month period ended September 30, 1998: <ARTICLE> 9 <MULTIPLIER> 1 <CURRENCY> U.S. Dollars <PERIOD-TYPE> 9-mos <FISCAL-YEAR-END> Dec-31-1998 <PERIOD-START> Jan-01-1998 <PERIOD-END> Sep-30-1998 <EXCHANGE-RATE> 1 <CASH> 31,113 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 217,829 <INVESTMENTS-CARRYING> 23,547 <INVESTMENTS-MARKET> 24,159 <LOANS> 683,381 <ALLOWANCE> 5,943 <TOTAL-ASSETS> 1,005,188 <DEPOSITS> 869,528 <SHORT-TERM> 25,483 <LIABILITIES-OTHER> 5,758 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 78,931 <TOTAL-LIABILITIES-AND-EQUITY> 1,005,188 <INTEREST-LOAN> 40,645 <INTEREST-INVEST> 10,256 <INTEREST-OTHER> 654 <INTEREST-TOTAL> 51,555 <INTEREST-DEPOSIT> 20,834 <INTEREST-EXPENSE> 21,763 <INTEREST-INCOME-NET> 29,792 <LOAN-LOSSES> 1,350 <SECURITIES-GAINS> 359 <EXPENSE-OTHER> 26,918 <INCOME-PRETAX> 11,050 <INCOME-PRE-EXTRAORDINARY> 7,020 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,020 <EPS-PRIMARY> 1.37 <EPS-DILUTED> 1.34 <YIELD-ACTUAL> 7.52 <LOANS-NON> 2,175 <LOANS-PAST> 427 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,363 <CHARGE-OFFS> 1,102 <RECOVERIES> 332 <ALLOWANCE-CLOSE> 5,943 <ALLOWANCE-DOMESTIC> 5,943 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0