<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> 45,983 <INT-BEARING-DEPOSITS> 2,338 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 73,903 <INVESTMENTS-CARRYING> 329,132 <INVESTMENTS-MARKET> 334,015 <LOANS> 224,986 <ALLOWANCE> 2,100 <TOTAL-ASSETS> 696,155 <DEPOSITS> 449,708 <SHORT-TERM> 35,000 <LIABILITIES-OTHER> 10,562 <LONG-TERM> 148,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 51,997 <TOTAL-LIABILITIES-AND-EQUITY> 696,155 <INTEREST-LOAN> 14,064 <INTEREST-INVEST> 17,252 <INTEREST-OTHER> 1,202 <INTEREST-TOTAL> 32,518 <INTEREST-DEPOSIT> 13,103 <INTEREST-EXPENSE> 19,344 <INTEREST-INCOME-NET> 13,174 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 344 <EXPENSE-OTHER> 10,036 <INCOME-PRETAX> 4,537 <INCOME-PRE-EXTRAORDINARY> 4,537 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,850 <EPS-PRIMARY> .97 <EPS-DILUTED> .88 <YIELD-ACTUAL> 2.76 <LOANS-NON> 0 <LOANS-PAST> 1,700 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,029 <CHARGE-OFFS> 4 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 2,077 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,077