<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
                                                                       
                                                                            
<PERIOD-TYPE>                                                                        3-MOS
<FISCAL-YEAR-END>                                                              MAR-31-1999
<PERIOD-END>                                                                   MAR-31-1999
<CASH>                                                                              78,390
<INT-BEARING-DEPOSITS>                                                                 204
<FED-FUNDS-SOLD>                                                                   111,441
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                        210,562
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<INVESTMENTS-MARKET>                                                               426,154
<LOANS>                                                                            768,296
<ALLOWANCE>                                                                          8,994
<TOTAL-ASSETS>                                                                   1,677,109
<DEPOSITS>                                                                       1,489,544
<SHORT-TERM>                                                                           305
<LIABILITIES-OTHER>                                                                 15,087
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            99,562
<OTHER-SE>                                                                          72,611
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<INTEREST-LOAN>                                                                     16,916
<INTEREST-INVEST>                                                                    9,016
<INTEREST-OTHER>                                                                     1,097
<INTEREST-TOTAL>                                                                    27,029
<INTEREST-DEPOSIT>                                                                  10,741
<INTEREST-EXPENSE>                                                                  10,746
<INTEREST-INCOME-NET>                                                               16,283
<LOAN-LOSSES>                                                                          470
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     12,968
<INCOME-PRETAX>                                                                      8,905
<INCOME-PRE-EXTRAORDINARY>                                                           6,127
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                         6,127
<EPS-PRIMARY>                                                                            0.62
<EPS-DILUTED>                                                                            0.62
<YIELD-ACTUAL>                                                                           4.53
<LOANS-NON>                                                                          3,137
<LOANS-PAST>                                                                            64
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        448
<ALLOWANCE-OPEN>                                                                     8,988
<CHARGE-OFFS>                                                                        4,159
<RECOVERIES>                                                                         1,375
<ALLOWANCE-CLOSE>                                                                    8,994
<ALLOWANCE-DOMESTIC>                                                                 8,994
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0