<ARTICLE> 9
<CIK> 0000933141
<NAME> ISB FINANCIAL
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          20,615
<INT-BEARING-DEPOSITS>                         119,910
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<ALLOWANCE>                                    (7,173)
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<SHORT-TERM>                                    45,918
<LIABILITIES-OTHER>                             10,086
<LONG-TERM>                                          0
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<OTHER-SE>                                     113,299
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<INTEREST-LOAN>                                 43,857
<INTEREST-INVEST>                                9,305
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<INTEREST-TOTAL>                                54,781
<INTEREST-DEPOSIT>                              23,997
<INTEREST-EXPENSE>                              26,651
<INTEREST-INCOME-NET>                           28,130
<LOAN-LOSSES>                                      691
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<INCOME-PRETAX>                                 10,784
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