<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Form 10-Q filed as of March 31, 1998.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          28,038
<INT-BEARING-DEPOSITS>                           3,122
<FED-FUNDS-SOLD>                                 1,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    221,317
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        518,834
<ALLOWANCE>                                      8,825
<TOTAL-ASSETS>                                 797,493
<DEPOSITS>                                     615,831
<SHORT-TERM>                                    49,239
<LIABILITIES-OTHER>                              8,132
<LONG-TERM>                                     44,387
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,283
<OTHER-SE>                                      29,621
<TOTAL-LIABILITIES-AND-EQUITY>                 797,493
<INTEREST-LOAN>                                 12,030
<INTEREST-INVEST>                                2,688
<INTEREST-OTHER>                                   646
<INTEREST-TOTAL>                                15,364
<INTEREST-DEPOSIT>                               6,321
<INTEREST-EXPENSE>                               7,320
<INTEREST-INCOME-NET>                            8,044
<LOAN-LOSSES>                                      696
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  5,414
<INCOME-PRETAX>                                  3,556
<INCOME-PRE-EXTRAORDINARY>                       2,376
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,376
<EPS-PRIMARY>                                     0.41
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    4.60
<LOANS-NON>                                        911
<LOANS-PAST>                                       297
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,356
<CHARGE-OFFS>                                      364
<RECOVERIES>                                       137
<ALLOWANCE-CLOSE>                                8,825
<ALLOWANCE-DOMESTIC>                             8,825
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,411