<ARTICLE>                                   9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANACIAL INFORMATION EXTRACTED FROM SEC FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                            1,000
<CURRENCY>                        U.S. DOLLARS
       
                               
<PERIOD-TYPE>                       12-MOS
<FISCAL-YEAR-END>                 DEC-31-1998
<PERIOD-END>                      DEC-31-1998
<EXCHANGE-RATE>                             1
<CASH>                                 47,755
<INT-BEARING-DEPOSITS>                      0
<FED-FUNDS-SOLD>                       38,443
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>           195,199
<INVESTMENTS-CARRYING>                284,944
<INVESTMENTS-MARKET>                  287,542
<LOANS>                               941,112
<ALLOWANCE>                           (13,695)
<TOTAL-ASSETS>                      1,575,069
<DEPOSITS>                          1,043,317
<SHORT-TERM>                           82,847
<LIABILITIES-OTHER>                    10,583
<LONG-TERM>                                 0
<PREFERRED-MANDATORY>                  28,750
<PREFERRED>                                 0
<COMMON>                                  149
<OTHER-SE>                             95,699
<TOTAL-LIABILITIES-AND-EQUITY>      1,575,069
<INTEREST-LOAN>                        76,404
<INTEREST-INVEST>                      31,508
<INTEREST-OTHER>                          800
<INTEREST-TOTAL>                      108,712
<INTEREST-DEPOSIT>                     31,432
<INTEREST-EXPENSE>                     49,569
<INTEREST-INCOME-NET>                  59,143
<LOAN-LOSSES>                           3,960
<SECURITIES-GAINS>                         27
<EXPENSE-OTHER>                        41,697
<INCOME-PRETAX>                        23,943
<INCOME-PRE-EXTRAORDINARY>             23,943
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                           16,139
<EPS-PRIMARY>                            1.10
<EPS-DILUTED>                            1.08
<YIELD-ACTUAL>                           7.96
<LOANS-NON>                             4,330
<LOANS-PAST>                            1,026
<LOANS-TROUBLED>                        1,037
<LOANS-PROBLEM>                             0
<ALLOWANCE-OPEN>                       12,674
<CHARGE-OFFS>                          (4,097)
<RECOVERIES>                            1,158
<ALLOWANCE-CLOSE>                      13,695
<ALLOWANCE-DOMESTIC>                   13,695
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                     0