<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the 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-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 48,885 <INT-BEARING-DEPOSITS> 21,258 <FED-FUNDS-SOLD> 33,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 568,853 <INVESTMENTS-CARRYING> 213,508 <INVESTMENTS-MARKET> 213,861 <LOANS> 837,336 <ALLOWANCE> 23,239 <TOTAL-ASSETS> 1,793,968 <DEPOSITS> 1,309,402 <SHORT-TERM> 307,469 <LIABILITIES-OTHER> 46,438 <LONG-TERM> 2,474 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 71 <OTHER-SE> 128,114 <TOTAL-LIABILITIES-AND-EQUITY> 1,793,968 <INTEREST-LOAN> 17,901 <INTEREST-INVEST> 11,989 <INTEREST-OTHER> 561 <INTEREST-TOTAL> 30,451 <INTEREST-DEPOSIT> 10,577 <INTEREST-EXPENSE> 15,052 <INTEREST-INCOME-NET> 15,399 <LOAN-LOSSES> 251 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,540 <INCOME-PRETAX> 6,584 <INCOME-PRE-EXTRAORDINARY> 4,076 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,076 <EPS-PRIMARY> .61 <EPS-DILUTED> .58 <YIELD-ACTUAL> 7.43 <LOANS-NON> 5,605 <LOANS-PAST> 183 <LOANS-TROUBLED> 1,120 <LOANS-PROBLEM> 18,166 <ALLOWANCE-OPEN> 22,724 <CHARGE-OFFS> 240 <RECOVERIES> 504 <ALLOWANCE-CLOSE> 23,239 <ALLOWANCE-DOMESTIC> 23,239 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0