<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>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          25,549
<INT-BEARING-DEPOSITS>                           1,529
<FED-FUNDS-SOLD>                                19,855
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    178,008
<INVESTMENTS-CARRYING>                          19,591
<INVESTMENTS-MARKET>                            20,016
<LOANS>                                        539,404
<ALLOWANCE>                                      6,099
<TOTAL-ASSETS>                                 827,945
<DEPOSITS>                                     709,871
<SHORT-TERM>                                    20,032
<LIABILITIES-OTHER>                             28,846
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,387
<OTHER-SE>                                      56,809
<TOTAL-LIABILITIES-AND-EQUITY>                 827,945
<INTEREST-LOAN>                                 44,079
<INTEREST-INVEST>                                8,723
<INTEREST-OTHER>                                 1,913
<INTEREST-TOTAL>                                54,715
<INTEREST-DEPOSIT>                              25,828
<INTEREST-EXPENSE>                              28,823
<INTEREST-INCOME-NET>                           25,892
<LOAN-LOSSES>                                    1,218
<SECURITIES-GAINS>                                (13)
<EXPENSE-OTHER>                                 19,672
<INCOME-PRETAX>                                 10,124
<INCOME-PRE-EXTRAORDINARY>                       6,448
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,448
<EPS-PRIMARY>                                     1.36
<EPS-DILUTED>                                     1.35
<YIELD-ACTUAL>                                    8.04
<LOANS-NON>                                      3,709
<LOANS-PAST>                                       195
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,451
<CHARGE-OFFS>                                      872
<RECOVERIES>                                       302
<ALLOWANCE-CLOSE>                                6,099
<ALLOWANCE-DOMESTIC>                             4,497
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,602