<ARTICLE>                                                           9
<MULTIPLIER>                                                    1,000

                                                               
<PERIOD-TYPE>                                                   9-MOS
<FISCAL-YEAR-END>                                         DEC-31-1998
<PERIOD-START>                                            JAN-01-1998
<PERIOD-END>                                              SEP-01-1998
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<EPS-BASIC>                                                     .93
<EPS-DILUTED>                                                     .91
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<LOANS-TROUBLED>                                                    0
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<CHARGE-OFFS>                                                      47
<RECOVERIES>                                                       20
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<ALLOWANCE-DOMESTIC>                                                0
<ALLOWANCE-FOREIGN>                                                 0
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