<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
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<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                      2,283
<TOTAL-ASSETS>                                 463,820
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<SHORT-TERM>                                     6,789
<LIABILITIES-OTHER>                              2,778
<LONG-TERM>                                     50,000
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<OTHER-SE>                                      53,179
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<INTEREST-LOAN>                                 28,450
<INTEREST-INVEST>                                2,814
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<INTEREST-DEPOSIT>                              15,279
<INTEREST-EXPENSE>                              17,271
<INTEREST-INCOME-NET>                           14,902
<LOAN-LOSSES>                                      682
<SECURITIES-GAINS>                                   0
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<CHARGE-OFFS>                                     (86)
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<ALLOWANCE-DOMESTIC>                             2,283
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