<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