<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 66,661 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 51,865 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 474,754 <INVESTMENTS-CARRYING> 41,916 <INVESTMENTS-MARKET> 42,704 <LOANS> 551,780 <ALLOWANCE> 12,901 <TOTAL-ASSETS> 1,234,956 <DEPOSITS> 1,088,675 <SHORT-TERM> 3,049 <LIABILITIES-OTHER> 9,508 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 42,894 <OTHER-SE> 90,830 <TOTAL-LIABILITIES-AND-EQUITY> 1,234,956 <INTEREST-LOAN> 55,064 <INTEREST-INVEST> 29,332 <INTEREST-OTHER> 2,564 <INTEREST-TOTAL> 86,960 <INTEREST-DEPOSIT> 25,659 <INTEREST-EXPENSE> 25,992 <INTEREST-INCOME-NET> 60,968 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 33 <EXPENSE-OTHER> 55,529 <INCOME-PRETAX> 28,020 <INCOME-PRE-EXTRAORDINARY> 19,020 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 19,020 <EPS-PRIMARY> 1.90 <EPS-DILUTED> 1.88 <YIELD-ACTUAL> 8.08 <LOANS-NON> 1,899 <LOANS-PAST> 4,399 <LOANS-TROUBLED> 3,032 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 13,366 <CHARGE-OFFS> 1,527 <RECOVERIES> 763 <ALLOWANCE-CLOSE> 12,901 <ALLOWANCE-DOMESTIC> 12,901 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,207