<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          42,846
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     99,515
<INVESTMENTS-CARRYING>                          18,349
<INVESTMENTS-MARKET>                            19,029
<LOANS>                                        822,604
<ALLOWANCE>                                      9,714
<TOTAL-ASSETS>                               1,085,258
<DEPOSITS>                                     830,514
<SHORT-TERM>                                   150,614
<LIABILITIES-OTHER>                             14,175
<LONG-TERM>                                     20,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,383
<OTHER-SE>                                      62,322
<TOTAL-LIABILITIES-AND-EQUITY>               1,085,258
<INTEREST-LOAN>                                 77,167
<INTEREST-INVEST>                                7,875
<INTEREST-OTHER>                                 1,031
<INTEREST-TOTAL>                                86,073
<INTEREST-DEPOSIT>                              25,097
<INTEREST-EXPENSE>                              36,840
<INTEREST-INCOME-NET>                           49,233
<LOAN-LOSSES>                                    3,043
<SECURITIES-GAINS>                                 267
<EXPENSE-OTHER>                                 45,688
<INCOME-PRETAX>                                 14,347
<INCOME-PRE-EXTRAORDINARY>                      14,347
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,221
<EPS-PRIMARY>                                     1.39
<EPS-DILUTED>                                     1.38
<YIELD-ACTUAL>                                    5.36
<LOANS-NON>                                      4,106
<LOANS-PAST>                                     2,240
<LOANS-TROUBLED>                                   295
<LOANS-PROBLEM>                                  3,500
<ALLOWANCE-OPEN>                                 7,670
<CHARGE-OFFS>                                    1,640
<RECOVERIES>                                       641
<ALLOWANCE-CLOSE>                                9,714
<ALLOWANCE-DOMESTIC>                             4,333
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,381