<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>                                          31,209
<INT-BEARING-DEPOSITS>                             430
<FED-FUNDS-SOLD>                                16,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    129,857
<INVESTMENTS-CARRYING>                           3,877
<INVESTMENTS-MARKET>                             3,929
<LOANS>                                        677,773
<ALLOWANCE>                                     10,338
<TOTAL-ASSETS>                                 875,851
<DEPOSITS>                                     670,690
<SHORT-TERM>                                    63,277
<LIABILITIES-OTHER>                              8,360
<LONG-TERM>                                     56,731
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,823
<OTHER-SE>                                      70,970
<TOTAL-LIABILITIES-AND-EQUITY>                 875,851
<INTEREST-LOAN>                                 42,131
<INTEREST-INVEST>                                6,569
<INTEREST-OTHER>                                   630
<INTEREST-TOTAL>                                49,330
<INTEREST-DEPOSIT>                              18,739
<INTEREST-EXPENSE>                              22,835
<INTEREST-INCOME-NET>                           26,495
<LOAN-LOSSES>                                    1,461
<SECURITIES-GAINS>                                 780
<EXPENSE-OTHER>                                 20,292
<INCOME-PRETAX>                                 13,122
<INCOME-PRE-EXTRAORDINARY>                      13,122
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,626
<EPS-PRIMARY>                                     0.75<F1>
<EPS-DILUTED>                                    0.735<F2>
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                        476
<LOANS-PAST>                                       700
<LOANS-TROUBLED>                                   460
<LOANS-PROBLEM>                                  2,907
<ALLOWANCE-OPEN>                                 9,650
<CHARGE-OFFS>                                    1,718
<RECOVERIES>                                       945
<ALLOWANCE-CLOSE>                               10,338
<ALLOWANCE-DOMESTIC>                             8,470
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,868
<FN>
<F1>ADJUSTED FOR OCTOBER 15, 1998 100% STOCK SPLIT
<F2>ADJUSTED FOR OCTOBER 15, 1998 100% STOCK SPLIT
</FN>