<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
<CASH>                                          18,109
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,228
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    195,645
<INVESTMENTS-CARRYING>                          20,002
<INVESTMENTS-MARKET>                            20,677
<LOANS>                                        362,416
<ALLOWANCE>                                      4,210
<TOTAL-ASSETS>                                 651,089
<DEPOSITS>                                     514,412
<SHORT-TERM>                                     8,203
<LIABILITIES-OTHER>                              3,641
<LONG-TERM>                                     70,268
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,103
<OTHER-SE>                                      53,462
<TOTAL-LIABILITIES-AND-EQUITY>                 651,089
<INTEREST-LOAN>                                 24,516
<INTEREST-INVEST>                                6,757
<INTEREST-OTHER>                                 1,623
<INTEREST-TOTAL>                                32,896
<INTEREST-DEPOSIT>                              13,826
<INTEREST-EXPENSE>                              18,349
<INTEREST-INCOME-NET>                           14,547
<LOAN-LOSSES>                                    1,295
<SECURITIES-GAINS>                                 151
<EXPENSE-OTHER>                                 11,034
<INCOME-PRETAX>                                  5,839
<INCOME-PRE-EXTRAORDINARY>                       4,313
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,313
<EPS-PRIMARY>                                      .82
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    3.88<F1>
<LOANS-NON>                                      1,685
<LOANS-PAST>                                       978
<LOANS-TROUBLED>                                   300
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,144
<CHARGE-OFFS>                                      847
<RECOVERIES>                                       168
<ALLOWANCE-CLOSE>                                4,210<F2>
<ALLOWANCE-DOMESTIC>                             4,210
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Computed on a tax-equivalent basis
<F2>Includes allowance acquired through merger
</FN>