<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
consolidated balance sheet, the consolidated statement of income and bank 
records and is qualified in its entirety by reference to such report on 
Form 10-Q.
</LEGEND>
       

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          21,354    
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                29,675
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    134,364
<INVESTMENTS-CARRYING>                          80,103
<INVESTMENTS-MARKET>                            80,191
<LOANS>                                        783,505
<ALLOWANCE>                                      8,234
<TOTAL-ASSETS>                               1,112,576
<DEPOSITS>                                     728,069
<SHORT-TERM>                                   110,477
<LIABILITIES-OTHER>                              4,631
<LONG-TERM>                                    179,164
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,615
<OTHER-SE>                                      69,819
<TOTAL-LIABILITIES-AND-EQUITY>               1,112,576
<INTEREST-LOAN>                                 19,123
<INTEREST-INVEST>                                3,416
<INTEREST-OTHER>                                   246
<INTEREST-TOTAL>                                22,785
<INTEREST-DEPOSIT>                               8,532
<INTEREST-EXPENSE>                              12,415
<INTEREST-INCOME-NET>                           10,370
<LOAN-LOSSES>                                      643
<SECURITIES-GAINS>                                 324
<EXPENSE-OTHER>                                  1,061
<INCOME-PRETAX>                                  8,565
<INCOME-PRE-EXTRAORDINARY>                       5,524
<EXTRAORDINARY>                                  5,524
<CHANGES>                                            0
<NET-INCOME>                                     5,524
<EPS-PRIMARY>                                      .73
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    3.92
<LOANS-NON>                                      2,178
<LOANS-PAST>                                    17,948 
<LOANS-TROUBLED>                                 1,809
<LOANS-PROBLEM>                                  2,705
<ALLOWANCE-OPEN>                                 8,176
<CHARGE-OFFS>                                      702
<RECOVERIES>                                       117
<ALLOWANCE-CLOSE>                                8,234
<ALLOWANCE-DOMESTIC>                             8,234
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0