<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           21556
<INT-BEARING-DEPOSITS>                           00000
<FED-FUNDS-SOLD>                                 10000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      47653
<INVESTMENTS-CARRYING>                           29802
<INVESTMENTS-MARKET>                             30336
<LOANS>                                         430508
<ALLOWANCE>                                       6696
<TOTAL-ASSETS>                                  569020
<DEPOSITS>                                      486831
<SHORT-TERM>                                      1676
<LIABILITIES-OTHER>                               6255
<LONG-TERM>                                       2100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          5535
<OTHER-SE>                                       37032
<TOTAL-LIABILITIES-AND-EQUITY>                  569020
<INTEREST-LOAN>                                   9629
<INTEREST-INVEST>                                  944
<INTEREST-OTHER>                                   430
<INTEREST-TOTAL>                                 11003
<INTEREST-DEPOSIT>                                4830
<INTEREST-EXPENSE>                                5122
<INTEREST-INCOME-NET>                             5881
<LOAN-LOSSES>                                      375
<SECURITIES-GAINS>                                 157
<EXPENSE-OTHER>                                   5409
<INCOME-PRETAX>                                   3229
<INCOME-PRE-EXTRAORDINARY>                        3229
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2181
<EPS-PRIMARY>                                      .66
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    8.56
<LOANS-NON>                                       3699
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   1129
<ALLOWANCE-OPEN>                                  5921
<CHARGE-OFFS>                                      326
<RECOVERIES>                                        76
<ALLOWANCE-CLOSE>                                 6696
<ALLOWANCE-DOMESTIC>                              6696
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           1200