<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