<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extraced from the
Consolidated Statement of Financial Condition at March 31, 1998 and the
Consolidated Statement of Operations for the three months Ended March 31,
1998 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          44,467
<INT-BEARING-DEPOSITS>                       1,356,384
<FED-FUNDS-SOLD>                                 4,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    511,062
<INVESTMENTS-CARRYING>                         202,877
<INVESTMENTS-MARKET>                           203,466
<LOANS>                                      1,193,810
<ALLOWANCE>                                     12,916
<TOTAL-ASSETS>                               2,017,784
<DEPOSITS>                                   1,474,828
<SHORT-TERM>                                   272,228
<LIABILITIES-OTHER>                             28,938
<LONG-TERM>                                    127,689
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     114,001
<TOTAL-LIABILITIES-AND-EQUITY>               2,017,784
<INTEREST-LOAN>                                 22,526
<INTEREST-INVEST>                               12,437
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                34,963
<INTEREST-DEPOSIT>                              14,963
<INTEREST-EXPENSE>                              21,469
<INTEREST-INCOME-NET>                           13,494
<LOAN-LOSSES>                                      670
<SECURITIES-GAINS>                                 352
<EXPENSE-OTHER>                                 14,067
<INCOME-PRETAX>                                  3,216
<INCOME-PRE-EXTRAORDINARY>                       3,216
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,149
<EPS-PRIMARY>                                     0.25<F1>
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    2.67
<LOANS-NON>                                      8,724
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,125
<LOANS-PROBLEM>                                 14,042
<ALLOWANCE-OPEN>                                12,528
<CHARGE-OFFS>                                    1,139
<RECOVERIES>                                       857
<ALLOWANCE-CLOSE>                               12,916
<ALLOWANCE-DOMESTIC>                            12,916
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Per share amendments reflect the 2-for-1 stock split effective November
1997.
                1997       1996
EPS:
  Basic         0.40       0.34

  Diluted       0.38       0.33
</FN>