<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 15,451 <INT-BEARING-DEPOSITS> 1 <FED-FUNDS-SOLD> 1,225 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 456,298 <INVESTMENTS-CARRYING> 41,057 <INVESTMENTS-MARKET> 0 <LOANS> 585,098 <ALLOWANCE> (6,876) <TOTAL-ASSETS> 1,134,102 <DEPOSITS> 839,381 <SHORT-TERM> 49,437 <LIABILITIES-OTHER> 5,738 <LONG-TERM> 136,445 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,561 <OTHER-SE> 98,540 <TOTAL-LIABILITIES-AND-EQUITY> 1,134,102 <INTEREST-LOAN> 34,462 <INTEREST-INVEST> 22,762 <INTEREST-OTHER> 536 <INTEREST-TOTAL> 57,760 <INTEREST-DEPOSIT> 23,754 <INTEREST-EXPENSE> 31,989 <INTEREST-INCOME-NET> 25,771 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 1,096 <EXPENSE-OTHER> 14,171 <INCOME-PRETAX> 15,093 <INCOME-PRE-EXTRAORDINARY> 15,093 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,318 <EPS-PRIMARY> 1.04 <EPS-DILUTED> 0.99 <YIELD-ACTUAL> 7.14 <LOANS-NON> 1,795 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,733 <CHARGE-OFFS> 153 <RECOVERIES> 221 <ALLOWANCE-CLOSE> 6,876 <ALLOWANCE-DOMESTIC> 6,876 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0