<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000
       
                                                                              
<PERIOD-TYPE>                                                                            3-MOS
<FISCAL-YEAR-END>                                                                   MAR-31-1998
<PERIOD-END>                                                                        MAR-31-1998
<CASH>                                                                              76,614
<INT-BEARING-DEPOSITS>                                                                 204
<FED-FUNDS-SOLD>                                                                    72,072
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                        155,909
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<INVESTMENTS-MARKET>                                                               438,956
<LOANS>                                                                            725,874
<ALLOWANCE>                                                                          9,921
<TOTAL-ASSETS>                                                                   1,544,830
<DEPOSITS>                                                                       1,377,614
<SHORT-TERM>                                                                         2,590
<LIABILITIES-OTHER>                                                                 13,131
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            86,570
<OTHER-SE>                                                                          64,925
<TOTAL-LIABILITIES-AND-EQUITY>                                                   1,544,830
<INTEREST-LOAN>                                                                     16,401
<INTEREST-INVEST>                                                                    8,846
<INTEREST-OTHER>                                                                     1,145
<INTEREST-TOTAL>                                                                    26,392
<INTEREST-DEPOSIT>                                                                  11,075
<INTEREST-EXPENSE>                                                                  11,156
<INTEREST-INCOME-NET>                                                               15,236
<LOAN-LOSSES>                                                                          151
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     12,203
<INCOME-PRETAX>                                                                      8,049
<INCOME-PRE-EXTRAORDINARY>                                                           5,381
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                         5,381
<EPS-PRIMARY>                                                                            0.62
<EPS-DILUTED>                                                                            0.62
<YIELD-ACTUAL>                                                                           4.50
<LOANS-NON>                                                                          3,044
<LOANS-PAST>                                                                           135
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        529
<ALLOWANCE-OPEN>                                                                    10,288
<CHARGE-OFFS>                                                                          840
<RECOVERIES>                                                                           322
<ALLOWANCE-CLOSE>                                                                    9,921
<ALLOWANCE-DOMESTIC>                                                                 9,921
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0