<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND THE CONSOLIDATED CONDENSED INCOME
STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                                  
<PERIOD-TYPE>                                  9-MOS                  3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-END>                               SEP-30-1998             SEP-30-1998
<CASH>                                          21,638                       0
<INT-BEARING-DEPOSITS>                           1,535                       0
<FED-FUNDS-SOLD>                                41,850                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    139,897                       0
<INVESTMENTS-CARRYING>                          20,324                       0
<INVESTMENTS-MARKET>                            20,848                       0
<LOANS>                                        519,312                       0
<ALLOWANCE>                                      5,931                       0
<TOTAL-ASSETS>                                 779,754                       0
<DEPOSITS>                                     672,180                       0
<SHORT-TERM>                                     8,501                       0
<LIABILITIES-OTHER>                             40,083                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         4,775                       0
<OTHER-SE>                                      54,215                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 779,754                       0
<INTEREST-LOAN>                                 32,493                  11,191
<INTEREST-INVEST>                                5,957                   2,186
<INTEREST-OTHER>                                 1,561                     349
<INTEREST-TOTAL>                                40,011                  13,726
<INTEREST-DEPOSIT>                              18,637                   6,465
<INTEREST-EXPENSE>                              20,889                   7,210
<INTEREST-INCOME-NET>                           19,122                   6,516
<LOAN-LOSSES>                                      858                     293
<SECURITIES-GAINS>                                  36                      24
<EXPENSE-OTHER>                                 14,541                   4,942
<INCOME-PRETAX>                                  7,697                   2,666
<INCOME-PRE-EXTRAORDINARY>                       4,642                   1,728
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,642                   1,728
<EPS-PRIMARY>                                      .98                     .36
<EPS-DILUTED>                                      .97                     .36
<YIELD-ACTUAL>                                    8.13                       0
<LOANS-NON>                                        915                       0
<LOANS-PAST>                                       243                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 5,452                       0
<CHARGE-OFFS>                                      618                       0
<RECOVERIES>                                       239                       0
<ALLOWANCE-CLOSE>                                5,931                       0
<ALLOWANCE-DOMESTIC>                             2,647                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          3,284                       0