<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<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
<CASH>                                          66,905                  16,943
<INT-BEARING-DEPOSITS>                             105                     200
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    232,241                 232,705
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        812,877                 727,854
<ALLOWANCE>                                    (9,107)                 (7,333)
<TOTAL-ASSETS>                               1,142,622                 994,053
<DEPOSITS>                                     775,448                 695,365
<SHORT-TERM>                                   248,799                 201,800
<LIABILITIES-OTHER>                             17,016                  16,154
<LONG-TERM>                                     52,919                  28,420
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,250                   1,377
<OTHER-SE>                                      47,190                  50,937
<TOTAL-LIABILITIES-AND-EQUITY>               1,142,622                 994,053
<INTEREST-LOAN>                                 70,844                  64,831
<INTEREST-INVEST>                               11,927                  10,077
<INTEREST-OTHER>                                   480                     583
<INTEREST-TOTAL>                                83,251                  75,491
<INTEREST-DEPOSIT>                              38,724                  37,732
<INTEREST-EXPENSE>                              51,832                  47,723
<INTEREST-INCOME-NET>                           31,419                  27,768
<LOAN-LOSSES>                                    3,944                   2,954
<SECURITIES-GAINS>                              10,445                   4,434
<EXPENSE-OTHER>                                 48,753                  31,422
<INCOME-PRETAX>                                 11,825                   8,706
<INCOME-PRE-EXTRAORDINARY>                      11,825                   8,706
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,737                   4,716
<EPS-PRIMARY>                                     5.05                    3.42
<EPS-DILUTED>                                     5.05                    3.42
<YIELD-ACTUAL>                                    3.27                    3.21
<LOANS-NON>                                      7,629                   6,065
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 2,010                   2,062
<LOANS-PROBLEM>                                  9,639                   8,127
<ALLOWANCE-OPEN>                                 7,333                   5,904
<CHARGE-OFFS>                                    3,205                   2,200
<RECOVERIES>                                     1,035                     675
<ALLOWANCE-CLOSE>                                9,107                   7,333
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0