<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 32,292 <INT-BEARING-DEPOSITS> 535 <FED-FUNDS-SOLD> 13,880 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 266,538 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 839,106 <ALLOWANCE> 8,546 <TOTAL-ASSETS> 1,185,355 <DEPOSITS> 975,828 <SHORT-TERM> 0 <LIABILITIES-OTHER> 65,003 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,487 <OTHER-SE> 143,037 <TOTAL-LIABILITIES-AND-EQUITY> 1,185,355 <INTEREST-LOAN> 18,444 <INTEREST-INVEST> 3,697 <INTEREST-OTHER> 319 <INTEREST-TOTAL> 22,460 <INTEREST-DEPOSIT> 9,691 <INTEREST-EXPENSE> 10,509 <INTEREST-INCOME-NET> 11,951 <LOAN-LOSSES> 509 <SECURITIES-GAINS> 45 <EXPENSE-OTHER> 7,694 <INCOME-PRETAX> 6,715 <INCOME-PRE-EXTRAORDINARY> 4,393 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,393 <EPS-BASIC> 0.37 <EPS-DILUTED> 0.36 <YIELD-ACTUAL> 4.53 <LOANS-NON> 1827 <LOANS-PAST> 2248 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,429 <CHARGE-OFFS> 515 <RECOVERIES> 123 <ALLOWANCE-CLOSE> 8,546 <ALLOWANCE-DOMESTIC> 8,546 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0