<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 58,728 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 550,802 <INVESTMENTS-MARKET> 550,802 <LOANS> 1,042,416 <ALLOWANCE> 15,197 <TOTAL-ASSETS> 1,708,702 <DEPOSITS> 1,248,268 <SHORT-TERM> 232,650 <LIABILITIES-OTHER> 17,525 <LONG-TERM> 36,548 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 172,808 <TOTAL-LIABILITIES-AND-EQUITY> 1,708,702 <INTEREST-LOAN> 22,604 <INTEREST-INVEST> 8,577 <INTEREST-OTHER> 298 <INTEREST-TOTAL> 31,479 <INTEREST-DEPOSIT> 12,191 <INTEREST-EXPENSE> 16,074 <INTEREST-INCOME-NET> 15,405 <LOAN-LOSSES> 1,407 <SECURITIES-GAINS> 352 <EXPENSE-OTHER> 10,506 <INCOME-PRETAX> 6,108 <INCOME-PRE-EXTRAORDINARY> 4,500 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,500 <EPS-PRIMARY> .62 <EPS-DILUTED> .62 <YIELD-ACTUAL> 4.18 <LOANS-NON> 4,699 <LOANS-PAST> 4,610 <LOANS-TROUBLED> 10 <LOANS-PROBLEM> 369 <ALLOWANCE-OPEN> 14,473 <CHARGE-OFFS> 976 <RECOVERIES> 293 <ALLOWANCE-CLOSE> 15,197 <ALLOWANCE-DOMESTIC> 15,197 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0