<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          16,808
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     37,734
<INVESTMENTS-CARRYING>                          12,403
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                        910,677
<ALLOWANCE>                                      7,483
<TOTAL-ASSETS>                               1,033,586
<DEPOSITS>                                     860,587
<SHORT-TERM>                                       475
<LIABILITIES-OTHER>                             15,622
<LONG-TERM>                                     68,218
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            76
<OTHER-SE>                                      88,608
<TOTAL-LIABILITIES-AND-EQUITY>               1,033,586
<INTEREST-LOAN>                                 17,166
<INTEREST-INVEST>                                1,068
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                18,234
<INTEREST-DEPOSIT>                               9,273
<INTEREST-EXPENSE>                              10,231
<INTEREST-INCOME-NET>                            8,003
<LOAN-LOSSES>                                      321
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,165
<INCOME-PRETAX>                                  3,450
<INCOME-PRE-EXTRAORDINARY>                       3,450
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,450
<EPS-PRIMARY>                                     0.44
<EPS-DILUTED>                                     0.42
<YIELD-ACTUAL>                                    7.50
<LOANS-NON>                                      8,768
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,835
<LOANS-PROBLEM>                                 10,285
<ALLOWANCE-OPEN>                                 7,736
<CHARGE-OFFS>                                    1,038
<RECOVERIES>                                       464
<ALLOWANCE-CLOSE>                                7,483
<ALLOWANCE-DOMESTIC>                             7,483
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q
</FN>