<ARTICLE> 9 <MULTIPLIER> 1 <CURRENCY> U.S. Dollars <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> Dec-31-1998 <PERIOD-START> Jan-01-1998 <PERIOD-END> Mar-31-1998 <EXCHANGE-RATE> 1 <CASH> 30986 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 12100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 184032 <INVESTMENTS-CARRYING> 35296 <INVESTMENTS-MARKET> 35996 <LOANS> 642071 <ALLOWANCE> 5455 <TOTAL-ASSETS> 938788 <DEPOSITS> 830364 <SHORT-TERM> 21473 <LIABILITIES-OTHER> 3963 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 82470 <TOTAL-LIABILITIES-AND-EQUITY> 938788 <INTEREST-LOAN> 13100 <INTEREST-INVEST> 3319 <INTEREST-OTHER> 290 <INTEREST-TOTAL> 16709 <INTEREST-DEPOSIT> 6450 <INTEREST-EXPENSE> 6742 <INTEREST-INCOME-NET> 9967 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 124 <EXPENSE-OTHER> 8867 <INCOME-PRETAX> 3476 <INCOME-PRE-EXTRAORDINARY> 2202 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2202 <EPS-PRIMARY> 0.43 <EPS-DILUTED> 0.42 <YIELD-ACTUAL> 7.81 <LOANS-NON> 1995 <LOANS-PAST> 396 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5363 <CHARGE-OFFS> 449 <RECOVERIES> 91 <ALLOWANCE-CLOSE> 5455 <ALLOWANCE-DOMESTIC> 5455 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0