<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

                                                                  
<PERIOD-TYPE>                                                      9-MOS
<FISCAL-YEAR-END>                                            DEC-31-1998
<PERIOD-START>                                               JAN-01-1998
<PERIOD-END>                                                 SEP-30-1998
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<TRADING-ASSETS>                                                       0
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<EPS-BASIC>                                                        .63
<EPS-DILUTED>                                                        .62
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<LOANS-PAST>                                                         947
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
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<CHARGE-OFFS>                                                         15
<RECOVERIES>                                                           0
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<ALLOWANCE-UNALLOCATED>                                            2,942