<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 49,533 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 970 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,829 <INVESTMENTS-CARRYING> 19,584 <INVESTMENTS-MARKET> 20,269 <LOANS> 498,428 <ALLOWANCE> 10,883 <TOTAL-ASSETS> 699,954 <DEPOSITS> 609,254 <SHORT-TERM> 6,064 <LIABILITIES-OTHER> 6,845 <LONG-TERM> 8,350 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,525 <OTHER-SE> 61,916 <TOTAL-LIABILITIES-AND-EQUITY> 699,954 <INTEREST-LOAN> 38,647 <INTEREST-INVEST> 5,580 <INTEREST-OTHER> 643 <INTEREST-TOTAL> 44,870 <INTEREST-DEPOSIT> 19,120 <INTEREST-EXPENSE> 19,948 <INTEREST-INCOME-NET> 24,922 <LOAN-LOSSES> 4,139 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 21,702 <INCOME-PRETAX> 5,160 <INCOME-PRE-EXTRAORDINARY> 5,160 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,355 <EPS-PRIMARY> .46 <EPS-DILUTED> .46 <YIELD-ACTUAL> 5.33 <LOANS-NON> 14,498 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 14,498 <ALLOWANCE-OPEN> 7,627 <CHARGE-OFFS> 1,234 <RECOVERIES> 351 <ALLOWANCE-CLOSE> 10,883 <ALLOWANCE-DOMESTIC> 10,883 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,883