<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          14,938
<INT-BEARING-DEPOSITS>                         444,270
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     98,243
<INVESTMENTS-CARRYING>                          88,570
<INVESTMENTS-MARKET>                            91,579
<LOANS>                                        438,947
<ALLOWANCE>                                      6,512
<TOTAL-ASSETS>                                 667,951
<DEPOSITS>                                     508,573
<SHORT-TERM>                                    90,158
<LIABILITIES-OTHER>                              5,118
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,436
<OTHER-SE>                                      61,666
<TOTAL-LIABILITIES-AND-EQUITY>                 667,951
<INTEREST-LOAN>                                 37,845
<INTEREST-INVEST>                               10,937
<INTEREST-OTHER>                                    33
<INTEREST-TOTAL>                                48,815
<INTEREST-DEPOSIT>                              17,017
<INTEREST-EXPENSE>                              20,750
<INTEREST-INCOME-NET>                           28,065
<LOAN-LOSSES>                                    1,376
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,073
<INCOME-PRETAX>                                 14,114
<INCOME-PRE-EXTRAORDINARY>                      14,114
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,645
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    8.88
<LOANS-NON>                                      1,710
<LOANS-PAST>                                       612
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,322
<ALLOWANCE-OPEN>                                 5,640
<CHARGE-OFFS>                                      770
<RECOVERIES>                                       266
<ALLOWANCE-CLOSE>                                6,512
<ALLOWANCE-DOMESTIC>                             6,512
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            585