<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 30,832 <INT-BEARING-DEPOSITS> 35,028 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 176,343 <INVESTMENTS-CARRYING> 111,325 <INVESTMENTS-MARKET> 112,232 <LOANS> 639,380 <ALLOWANCE> 8,869 <TOTAL-ASSETS> 1,026,672 <DEPOSITS> 717,486 <SHORT-TERM> 128,131 <LIABILITIES-OTHER> 7,074 <LONG-TERM> 92,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,467 <OTHER-SE> 76,514 <TOTAL-LIABILITIES-AND-EQUITY> 1,026,672 <INTEREST-LOAN> 14,151 <INTEREST-INVEST> 3,964 <INTEREST-OTHER> 243 <INTEREST-TOTAL> 18,358 <INTEREST-DEPOSIT> 6,133 <INTEREST-EXPENSE> 2,428 <INTEREST-INCOME-NET> 9,797 <LOAN-LOSSES> 570 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,384 <INCOME-PRETAX> 4,018 <INCOME-PRE-EXTRAORDINARY> 4,018 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,664 <EPS-PRIMARY> .49 <EPS-DILUTED> .48 <YIELD-ACTUAL> 8.24 <LOANS-NON> 3,295 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 535 <ALLOWANCE-OPEN> 8,485 <CHARGE-OFFS> 307 <RECOVERIES> 121 <ALLOWANCE-CLOSE> 8,869 <ALLOWANCE-DOMESTIC> 8,869 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,276