<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED SEPTEMBER 30, 1998 AS PRESENTED IN ITS THIRD QUARTER 1998 FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          25,865
<INT-BEARING-DEPOSITS>                           1,222
<FED-FUNDS-SOLD>                                10,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    200,786
<INVESTMENTS-CARRYING>                           6,189
<INVESTMENTS-MARKET>                             6,189
<LOANS>                                        324,336
<ALLOWANCE>                                      4,385
<TOTAL-ASSETS>                                 592,222
<DEPOSITS>                                     469,039
<SHORT-TERM>                                    35,940
<LIABILITIES-OTHER>                             12,301
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      64,898
<TOTAL-LIABILITIES-AND-EQUITY>                 592,222
<INTEREST-LOAN>                                 20,748
<INTEREST-INVEST>                                9,442
<INTEREST-OTHER>                                   626
<INTEREST-TOTAL>                                30,816
<INTEREST-DEPOSIT>                              11,553
<INTEREST-EXPENSE>                              13,167
<INTEREST-INCOME-NET>                           17,649
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                 216
<EXPENSE-OTHER>                                 15,284
<INCOME-PRETAX>                                  7,737
<INCOME-PRE-EXTRAORDINARY>                       2,441
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,441
<EPS-PRIMARY>                                     1.29
<EPS-DILUTED>                                     1.29
<YIELD-ACTUAL>                                    4.50
<LOANS-NON>                                        954
<LOANS-PAST>                                       647
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,145
<CHARGE-OFFS>                                      471
<RECOVERIES>                                       111
<ALLOWANCE-CLOSE>                                4,385
<ALLOWANCE-DOMESTIC>                             1,866
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,519