<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          43,311
<INT-BEARING-DEPOSITS>                             515
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    145,061
<INVESTMENTS-CARRYING>                         184,745
<INVESTMENTS-MARKET>                           185,425
<LOANS>                                        640,206
<ALLOWANCE>                                     10,156
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<DEPOSITS>                                     702,802
<SHORT-TERM>                                   153,730
<LIABILITIES-OTHER>                             44,362
<LONG-TERM>                                     41,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,464  
<COMMON>                                         8,310
<OTHER-SE>                                      91,377
<TOTAL-LIABILITIES-AND-EQUITY>               1,044,445
<INTEREST-LOAN>                                 52,217
<INTEREST-INVEST>                               21,048
<INTEREST-OTHER>                                   697
<INTEREST-TOTAL>                                73,962
<INTEREST-DEPOSIT>                              16,107
<INTEREST-EXPENSE>                              24,524
<INTEREST-INCOME-NET>                           49,438
<LOAN-LOSSES>                                    5,389
<SECURITIES-GAINS>                                  86
<EXPENSE-OTHER>                                 38,298
<INCOME-PRETAX>                                 22,200
<INCOME-PRE-EXTRAORDINARY>                      12,797
<EXTRAORDINARY>                                      0
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<YIELD-ACTUAL>                                    6.12
<LOANS-NON>                                      1,214
<LOANS-PAST>                                       675
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 8,678
<CHARGE-OFFS>                                    4,351
<RECOVERIES>                                       440
<ALLOWANCE-CLOSE>                               10,156
<ALLOWANCE-DOMESTIC>                             9,874
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            282