<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF SEPTEMBER 30, 1998 AND THE STATEMENT OF INCOME
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1998, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          26,654
<INT-BEARING-DEPOSITS>                          13,358
<FED-FUNDS-SOLD>                                10,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     84,268
<INVESTMENTS-CARRYING>                          12,145
<INVESTMENTS-MARKET>                            12,256
<LOANS>                                        303,470
<ALLOWANCE>                                     (5,334)
<TOTAL-ASSETS>                                 466,099
<DEPOSITS>                                     415,086
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,657
<LONG-TERM>                                         87
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        35,967
<OTHER-SE>                                      10,243
<TOTAL-LIABILITIES-AND-EQUITY>                 466,099
<INTEREST-LOAN>                                 22,047
<INTEREST-INVEST>                                2,884
<INTEREST-OTHER>                                 2,022
<INTEREST-TOTAL>                                26,953
<INTEREST-DEPOSIT>                               7,451
<INTEREST-EXPENSE>                               7,459
<INTEREST-INCOME-NET>                           19,494
<LOAN-LOSSES>                                      575
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 16,947
<INCOME-PRETAX>                                  5,791
<INCOME-PRE-EXTRAORDINARY>                       5,791
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,660
<EPS-PRIMARY>                                      .62
<EPS-DILUTED>                                      .58
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0