<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's March 31, 1998 unaudited balance sheet, income statement
and cash flow statement, and notes thereto, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                      18,622,000
<INT-BEARING-DEPOSITS>                      13,778,000
<FED-FUNDS-SOLD>                             3,000,000
<TRADING-ASSETS>                             2,018,000
<INVESTMENTS-HELD-FOR-SALE>                185,499,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    423,850,000
<ALLOWANCE>                                  5,577,000
<TOTAL-ASSETS>                             668,671,000
<DEPOSITS>                                 455,899,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,205,000
<LONG-TERM>                                156,299,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,000
<OTHER-SE>                                  54,243,000
<TOTAL-LIABILITIES-AND-EQUITY>             668,671,000
<INTEREST-LOAN>                              8,407,000
<INTEREST-INVEST>                            3,273,000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            11,680,000
<INTEREST-DEPOSIT>                           4,310,000
<INTEREST-EXPENSE>                           6,575,000
<INTEREST-INCOME-NET>                        5,105,000
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                             211,000
<EXPENSE-OTHER>                              4,182,000
<INCOME-PRETAX>                              2,258,000
<INCOME-PRE-EXTRAORDINARY>                   2,258,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,438,000
<EPS-PRIMARY>                                     0.59
<EPS-DILUTED>                                     0.56
<YIELD-ACTUAL>                                    3.20
<LOANS-NON>                                  5,011,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              7,900,000
<ALLOWANCE-OPEN>                             5,832,000
<CHARGE-OFFS>                                  710,000
<RECOVERIES>                                   455,000
<ALLOWANCE-CLOSE>                            5,577,000
<ALLOWANCE-DOMESTIC>                         5,577,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0