<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
*SEPTEMBER 30, 1998 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               SEP-30-1998             SEP-30-1997
<CASH>                                          12,368                  14,763
<INT-BEARING-DEPOSITS>                           3,901                   2,700
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     61,830                  48,525
<INVESTMENTS-CARRYING>                          47,207                  54,105
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        398,279                 362,712
<ALLOWANCE>                                    (3,601)                 (3,036)
<TOTAL-ASSETS>                                 542,178                 498,959
<DEPOSITS>                                     443,831                 414,887
<SHORT-TERM>                                    53,638                  43,225
<LIABILITIES-OTHER>                              5,195                   2,894
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                         18                      49
<COMMON>                                         2,404                   2,388
<OTHER-SE>                                      37,092                  35,516
<TOTAL-LIABILITIES-AND-EQUITY>                 542,178                 498,959
<INTEREST-LOAN>                                 24,170                  22,702
<INTEREST-INVEST>                                4,807                   4,957
<INTEREST-OTHER>                                   400                     252
<INTEREST-TOTAL>                                29,377                  27,911
<INTEREST-DEPOSIT>                              12,098                  11,571
<INTEREST-EXPENSE>                              14,301                  12,670
<INTEREST-INCOME-NET>                           15,076                  15,241
<LOAN-LOSSES>                                    1,107                   1,118
<SECURITIES-GAINS>                                  83                      85
<EXPENSE-OTHER>                                 10,898                  10,514
<INCOME-PRETAX>                                  5,784                   6,027
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,685                   3,751
<EPS-PRIMARY>                                     1.47                    1.45
<EPS-DILUTED>                                     1.43                    1.42
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0