<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH 31,
1998, CONSOLIDATED BALANCE SHEET, AND THE MARCH 31, 1998, CONSOLIDATED STATEMENT
OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          91,167
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    507,552
<INVESTMENTS-CARRYING>                          57,723
<INVESTMENTS-MARKET>                            59,215
<LOANS>                                        618,642
<ALLOWANCE>                                     12,432
<TOTAL-ASSETS>                               1,317,834
<DEPOSITS>                                   1,087,565
<SHORT-TERM>                                    85,000
<LIABILITIES-OTHER>                             39,759
<LONG-TERM>                                        422
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,318
<OTHER-SE>                                      42,770
<TOTAL-LIABILITIES-AND-EQUITY>               1,317,834
<INTEREST-LOAN>                                 15,073
<INTEREST-INVEST>                                7,693
<INTEREST-OTHER>                                    82
<INTEREST-TOTAL>                                22,848
<INTEREST-DEPOSIT>                               5,790
<INTEREST-EXPENSE>                               7,016
<INTEREST-INCOME-NET>                           15,832
<LOAN-LOSSES>                                      850
<SECURITIES-GAINS>                                  18
<EXPENSE-OTHER>                                 11,361
<INCOME-PRETAX>                                  7,617
<INCOME-PRE-EXTRAORDINARY>                       4,765
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,765
<EPS-PRIMARY>                                     0.32
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    5.68
<LOANS-NON>                                      4,533
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,999
<LOANS-PROBLEM>                                    837
<ALLOWANCE-OPEN>                                11,522
<CHARGE-OFFS>                                      110
<RECOVERIES>                                       170
<ALLOWANCE-CLOSE>                               12,432
<ALLOWANCE-DOMESTIC>                             8,687
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,745