<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT SEPTEMBER 30, 1998 AND DECEMBER 31, 1997 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTH AND NINE MONTH ENDED
SEPTEMBER 30, 1998 AND 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           7,476
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    193,642
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        473,353
<ALLOWANCE>                                    (2,966)
<TOTAL-ASSETS>                                 706,269
<DEPOSITS>                                     446,333
<SHORT-TERM>                                    20,279
<LIABILITIES-OTHER>                              7,165
<LONG-TERM>                                    164,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      68,002
<TOTAL-LIABILITIES-AND-EQUITY>                 706,269
<INTEREST-LOAN>                                 26,346
<INTEREST-INVEST>                                9,705
<INTEREST-OTHER>                                   793
<INTEREST-TOTAL>                                36,844
<INTEREST-DEPOSIT>                              17,039
<INTEREST-EXPENSE>                              24,203
<INTEREST-INCOME-NET>                           12,641
<LOAN-LOSSES>                                      235
<SECURITIES-GAINS>                              12,406
<EXPENSE-OTHER>                                  9,933
<INCOME-PRETAX>                                  3,226
<INCOME-PRE-EXTRAORDINARY>                       2,013
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,013
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    7.18
<LOANS-NON>                                        404
<LOANS-PAST>                                       309
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     83
<ALLOWANCE-OPEN>                                 2,748
<CHARGE-OFFS>                                     (19)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                2,966
<ALLOWANCE-DOMESTIC>                               787
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,179