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