<ARTICLE>  9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
REGISTRANT'S AUDITED ANNUAL FINANCIAL STATEMENTS AND DISCLOSURES FOR THE PERIOD
ENDED DECEMBER 31, 1998 AS PRESENTED IN ITS ANNUAL 1998 FORM10-K AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND 
DISCLOSURES.
</LEGEND>
<MULTIPLIER>   1,000
       
                      
<PERIOD-TYPE>            12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          27,516                       
<INT-BEARING-DEPOSITS>                           1,304
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    235,294
<INVESTMENTS-CARRYING>                           6,661
<INVESTMENTS-MARKET>                             6,661
<LOANS>                                        329,255
<ALLOWANCE>                                      4,509
<TOTAL-ASSETS>                                 623,660
<DEPOSITS>                                     466,139
<SHORT-TERM>                                    57,487
<LIABILITIES-OTHER>                             13,943
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      66,047
<TOTAL-LIABILITIES-AND-EQUITY>                 623,660
<INTEREST-LOAN>                                 27,865
<INTEREST-INVEST>                               12,622
<INTEREST-OTHER>                                   918
<INTEREST-TOTAL>                                41,405
<INTEREST-DEPOSIT>                              15,247
<INTEREST-EXPENSE>                              17,666
<INTEREST-INCOME-NET>                           23,739
<LOAN-LOSSES>                                      800
<SECURITIES-GAINS>                                 216
<EXPENSE-OTHER>                                 20,473
<INCOME-PRETAX>                                 10,683
<INCOME-PRE-EXTRAORDINARY>                       7,297
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,297
<EPS-PRIMARY>                                     1.77
<EPS-DILUTED>                                     1.77
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                      4,458
<LOANS-PAST>                                       395
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,145
<CHARGE-OFFS>                                      594
<RECOVERIES>                                       158
<ALLOWANCE-CLOSE>                                4,509
<ALLOWANCE-DOMESTIC>                             3,197
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,312