<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <EXCHANGE-RATE> 1 <CASH> 28,731 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 469 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 301,097 <INVESTMENTS-CARRYING> 26,518 <INVESTMENTS-MARKET> 26,809 <LOANS> 777,063 <ALLOWANCE> (6,643) <TOTAL-ASSETS> 1,181,011 <DEPOSITS> 789,622 <SHORT-TERM> 116,500 <LIABILITIES-OTHER> 7,104 <LONG-TERM> 180,250 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 64,096 <OTHER-SE> 23,439 <TOTAL-LIABILITIES-AND-EQUITY> 1,181,011 <INTEREST-LOAN> 66,529 <INTEREST-INVEST> 19,974 <INTEREST-OTHER> 154 <INTEREST-TOTAL> 86,657 <INTEREST-DEPOSIT> 33,899 <INTEREST-EXPENSE> 50,150 <INTEREST-INCOME-NET> 36,507 <LOAN-LOSSES> 1,225 <SECURITIES-GAINS> 34 <EXPENSE-OTHER> 29,827 <INCOME-PRETAX> 15,403 <INCOME-PRE-EXTRAORDINARY> 10,568 <EXTRAORDINARY> (400) <CHANGES> 0 <NET-INCOME> 10,168 <EPS-PRIMARY> 1.28 <EPS-DILUTED> 1.28 <YIELD-ACTUAL> 8.15 <LOANS-NON> 1,294 <LOANS-PAST> 2,432 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,617 <CHARGE-OFFS> (1,802) <RECOVERIES> 603 <ALLOWANCE-CLOSE> 6,643 <ALLOWANCE-DOMESTIC> 6,643 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0