<ARTICLE>                                            9
                                 
       
                                       
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
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<TRADING-ASSETS>                                     0
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<LIABILITIES-OTHER>                            119,933
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<PREFERRED-MANDATORY>                                0
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<INTEREST-LOAN>                                117,301
<INTEREST-INVEST>                               31,259
<INTEREST-OTHER>                                   416
<INTEREST-TOTAL>                               148,976
<INTEREST-DEPOSIT>                              54,007
<INTEREST-EXPENSE>                              73,498
<INTEREST-INCOME-NET>                           75,478
<LOAN-LOSSES>                                    3,393
<SECURITIES-GAINS>                                 302
<EXPENSE-OTHER>                                 24,865
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     0.85
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<LOANS-PAST>                                    11,450
<LOANS-TROUBLED>                                     0                                  
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<CHARGE-OFFS>                                    3,851
<RECOVERIES>                                       935
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<ALLOWANCE-DOMESTIC>                            71,121
<ALLOWANCE-FOREIGN>                                  0
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