<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           9,844
<INT-BEARING-DEPOSITS>                          10,467
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     79,078
<INVESTMENTS-CARRYING>                          19,818
<INVESTMENTS-MARKET>                            19,579
<LOANS>                                        447,576
<ALLOWANCE>                                      4,285
<TOTAL-ASSETS>                                 578,272
<DEPOSITS>                                     396,568
<SHORT-TERM>                                   128,729
<LIABILITIES-OTHER>                              6,851
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      46,074
<TOTAL-LIABILITIES-AND-EQUITY>                 578,272
<INTEREST-LOAN>                                 29,662
<INTEREST-INVEST>                                5,003
<INTEREST-OTHER>                                   983
<INTEREST-TOTAL>                                35,648
<INTEREST-DEPOSIT>                              14,537
<INTEREST-EXPENSE>                              21,211
<INTEREST-INCOME-NET>                           14,437
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,767
<INCOME-PRETAX>                                  5,188
<INCOME-PRE-EXTRAORDINARY>                       5,188
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,251
<EPS-PRIMARY>                                     0.65
<EPS-DILUTED>                                     0.63
<YIELD-ACTUAL>                                    8.05
<LOANS-NON>                                      3,950
<LOANS-PAST>                                         0    
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,556
<ALLOWANCE-OPEN>                                 4,297
<CHARGE-OFFS>                                       35
<RECOVERIES>                                        23
<ALLOWANCE-CLOSE>                                4,285
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,285