<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from
the consolidated balance sheet, the consolidated statement of income and bank
records and is qualified in its entirety by reference to such report on Form
10-K.
</LEGEND>

<MULTIPLIER>                                     1,000
<CURRENCY>                                U.S. Dollars
       
                                                               
<PERIOD-TYPE>                                   12-MOS                    12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998               DEC-31-1997
<PERIOD-START>                             JAN-01-1998               JAN-01-1997
<PERIOD-END>                               DEC-31-1998               DEC-31-1997
<EXCHANGE-RATE>                                  1.000                     1.000
<CASH>                                          37,446                    24,546
<INT-BEARING-DEPOSITS>                               0                         0
<FED-FUNDS-SOLD>                                 2,500                         0
<TRADING-ASSETS>                                     0                         0
<INVESTMENTS-HELD-FOR-SALE>                    186,936                    93,826
<INVESTMENTS-CARRYING>                          29,985                    98,546
<INVESTMENTS-MARKET>                            30,039                    98,540
<LOANS>                                        870,031                   794,939
<ALLOWANCE>                                      7,862                     8,176
<TOTAL-ASSETS>                               1,207,684                 1,054,950
<DEPOSITS>                                     747,147                   731,598
<SHORT-TERM>                                   148,659                   111,137
<LIABILITIES-OTHER>                             17,814                    19,424
<LONG-TERM>                                    190,222                   124,405
<PREFERRED-MANDATORY>                                0                         0
<PREFERRED>                                          0                         0
<COMMON>                                         4,149                     3,613
<OTHER-SE>                                      99,693                    64,773
<TOTAL-LIABILITIES-AND-EQUITY>               1,207,684                 1,054,950
<INTEREST-LOAN>                                 77,919                    76,889
<INTEREST-INVEST>                               13,818                    13,614
<INTEREST-OTHER>                                   930                       691
<INTEREST-TOTAL>                                92,667                    91,194
<INTEREST-DEPOSIT>                              34,221                    38,940
<INTEREST-EXPENSE>                              50,174                    50,856
<INTEREST-INCOME-NET>                           42,493                    40,338
<LOAN-LOSSES>                                    3,110                     7,251
<SECURITIES-GAINS>                               1,139                        81
<EXPENSE-OTHER>                                  4,694                     4,659
<INCOME-PRETAX>                                 21,362                    19,137
<INCOME-PRE-EXTRAORDINARY>                      13,756                    12,259
<EXTRAORDINARY>                                      0                         0
<CHANGES>                                            0                         0
<NET-INCOME>                                    13,756                    12,259
<EPS-PRIMARY>                                      .87                       .82
<EPS-DILUTED>                                      .83                       .79
<YIELD-ACTUAL>                                    3.84                      3.85
<LOANS-NON>                                      3,258                     2,676
<LOANS-PAST>                                     1,731                     4,459
<LOANS-TROUBLED>                                 1,116                     1,639
<LOANS-PROBLEM>                                      0                         0
<ALLOWANCE-OPEN>                                 8,176                     6,241
<CHARGE-OFFS>                                    3,924                     5,859
<RECOVERIES>                                       500                       543
<ALLOWANCE-CLOSE>                                7,862                     8,176
<ALLOWANCE-DOMESTIC>                             7,862                     8,176
<ALLOWANCE-FOREIGN>                                  0                         0
<ALLOWANCE-UNALLOCATED>                              0                         0