<ARTICLE> 9
<CURRENCY> US DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           7,131
<INT-BEARING-DEPOSITS>                           2,793
<FED-FUNDS-SOLD>                                 1,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,340
<INVESTMENTS-CARRYING>                          64,890
<INVESTMENTS-MARKET>                            65,340
<LOANS>                                        333,957
<ALLOWANCE>                                    (4,200)
<TOTAL-ASSETS>                                 427,394
<DEPOSITS>                                     299,667
<SHORT-TERM>                                    12,120
<LIABILITIES-OTHER>                              5,829
<LONG-TERM>                                     79,091
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,744
<OTHER-SE>                                      19,943
<TOTAL-LIABILITIES-AND-EQUITY>                 427,394
<INTEREST-LOAN>                                 18,369
<INTEREST-INVEST>                                3,186
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                21,555
<INTEREST-DEPOSIT>                               7,653
<INTEREST-EXPENSE>                              11,180
<INTEREST-INCOME-NET>                           10,375
<LOAN-LOSSES>                                      857
<SECURITIES-GAINS>                                  84
<EXPENSE-OTHER>                                 16,088
<INCOME-PRETAX>                                  5,685
<INCOME-PRE-EXTRAORDINARY>                       5,685
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,770
<EPS-PRIMARY>                                    $0.35
<EPS-DILUTED>                                    $0.34
<YIELD-ACTUAL>                                    7.68
<LOANS-NON>                                        911
<LOANS-PAST>                                     1,323
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,645
<CHARGE-OFFS>                                      379
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                                4,200
<ALLOWANCE-DOMESTIC>                             4,200
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0