<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                          53,602                  47,604
<INT-BEARING-DEPOSITS>                          22,816                  28,108
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     93,726                  56,279
<INVESTMENTS-CARRYING>                           6,358                   9,679
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        828,639                 685,889
<ALLOWANCE>                                      9,002                   8,440
<TOTAL-ASSETS>                               1,059,919                 864,555
<DEPOSITS>                                     938,345                 740,430
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              7,008                   6,772
<LONG-TERM>                                     25,000                  39,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        68,612                  67,901
<OTHER-SE>                                      20,954                  10,452
<TOTAL-LIABILITIES-AND-EQUITY>               1,059,919                 864,555
<INTEREST-LOAN>                                 66,858                  56,176
<INTEREST-INVEST>                                5,115                   4,428
<INTEREST-OTHER>                                 1,654                   1,457
<INTEREST-TOTAL>                                73,627                  62,061
<INTEREST-DEPOSIT>                              29,759                  24,775
<INTEREST-EXPENSE>                              31,667                  26,830
<INTEREST-INCOME-NET>                           41,960                  35,231
<LOAN-LOSSES>                                    1,900                   4,726
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 36,603                  31,234
<INCOME-PRETAX>                                 15,448                  12,063
<INCOME-PRE-EXTRAORDINARY>                      10,201                   9,275
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    10,201                   9,275
<EPS-PRIMARY>                                     1.02                    0.94
<EPS-DILUTED>                                     0.98                    0.91
<YIELD-ACTUAL>                                    4.87                    4.96
<LOANS-NON>                                      3,603                   1,462
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 1,783                      20
<LOANS-PROBLEM>                                  1,862                     669
<ALLOWANCE-OPEN>                                 8,440                   5,282
<CHARGE-OFFS>                                    1,585                   1,659
<RECOVERIES>                                       247                      91
<ALLOWANCE-CLOSE>                                9,002                   8,440
<ALLOWANCE-DOMESTIC>                             9,002                   8,440
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                   1,542