<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. 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> 25,996 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,028 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 300,700 <INVESTMENTS-CARRYING> 26,790 <INVESTMENTS-MARKET> 27,262 <LOANS> 776,658 <ALLOWANCE> (6,603) <TOTAL-ASSETS> 1,180,722 <DEPOSITS> 766,051 <SHORT-TERM> 0 <LIABILITIES-OTHER> 8,974 <LONG-TERM> 316,287 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 64,070 <OTHER-SE> 25,340 <TOTAL-LIABILITIES-AND-EQUITY> 1,180,722 <INTEREST-LOAN> 49,941 <INTEREST-INVEST> 14,894 <INTEREST-OTHER> 124 <INTEREST-TOTAL> 64,959 <INTEREST-DEPOSIT> 25,529 <INTEREST-EXPENSE> 37,534 <INTEREST-INCOME-NET> 27,425 <LOAN-LOSSES> 925 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 22,337 <INCOME-PRETAX> 11,725 <INCOME-PRE-EXTRAORDINARY> 8,025 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,025 <EPS-PRIMARY> 1.01 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 8.26 <LOANS-NON> 298 <LOANS-PAST> 2,616 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,617 <CHARGE-OFFS> (1,445) <RECOVERIES> 506 <ALLOWANCE-CLOSE> 6,603 <ALLOWANCE-DOMESTIC> 6,603 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0