<ARTICLE> 9
<LEGEND>
(This schedule contains summary financial information extracted from Form 10-Q
and is qualified in its entirety by reference to such financial statements.)
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          27,410
<INT-BEARING-DEPOSITS>                             201
<FED-FUNDS-SOLD>                                     0  
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     72,743
<INVESTMENTS-CARRYING>                          36,722
<INVESTMENTS-MARKET>                            37,356
<LOANS>                                        918,510
<ALLOWANCE>                                      7,929
<TOTAL-ASSETS>                               1,096,441
<DEPOSITS>                                     676,236
<SHORT-TERM>                                    85,968
<LIABILITIES-OTHER>                             12,547
<LONG-TERM>                                    237,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            66
<OTHER-SE>                                      84,124
<TOTAL-LIABILITIES-AND-EQUITY>               1,096,441
<INTEREST-LOAN>                                 48,772
<INTEREST-INVEST>                                6,776
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                55,548
<INTEREST-DEPOSIT>                              17,786
<INTEREST-EXPENSE>                              31,456
<INTEREST-INCOME-NET>                           24,092
<LOAN-LOSSES>                                    1,187
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,935
<INCOME-PRETAX>                                  9,446
<INCOME-PRE-EXTRAORDINARY>                       9,446
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,610
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    3.22
<LOANS-NON>                                      1,014
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   214
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,600
<CHARGE-OFFS>                                      195
<RECOVERIES>                                       337
<ALLOWANCE-CLOSE>                                7,929
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,929