<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS  SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q  FOR THE PERIOD ENDED MARCH 31, 1998 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>                                           4,454
<INT-BEARING-DEPOSITS>                           1,419
<FED-FUNDS-SOLD>                                 2,473
<TRADING-ASSETS>                                 1,983
<INVESTMENTS-HELD-FOR-SALE>                     10,587
<INVESTMENTS-CARRYING>                             617
<INVESTMENTS-MARKET>                               620
<LOANS>                                         43,822
<ALLOWANCE>                                      (725)
<TOTAL-ASSETS>                                  71,428
<DEPOSITS>                                      46,397
<SHORT-TERM>                                    12,258
<LIABILITIES-OTHER>                              3,070
<LONG-TERM>                                      4,216<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        278
<COMMON>                                           231
<OTHER-SE>                                       4,298
<TOTAL-LIABILITIES-AND-EQUITY>                  71,428
<INTEREST-LOAN>                                  1,012
<INTEREST-INVEST>                                  178
<INTEREST-OTHER>                                   147
<INTEREST-TOTAL>                                 1,337
<INTEREST-DEPOSIT>                                 462
<INTEREST-EXPENSE>                                 734
<INTEREST-INCOME-NET>                              603
<LOAN-LOSSES>                                      140
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                    213
<INCOME-PRETAX>                                    391
<INCOME-PRE-EXTRAORDINARY>                         238
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       238
<EPS-PRIMARY>                                     1.60
<EPS-DILUTED>                                     1.58
<YIELD-ACTUAL>                                    4.07
<LOANS-NON>                                        327
<LOANS-PAST>                                        37
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   712
<CHARGE-OFFS>                                    (156)
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                  725
<ALLOWANCE-DOMESTIC>                               378
<ALLOWANCE-FOREIGN>                                242
<ALLOWANCE-UNALLOCATED>                            105
<FN>
<F1>(1) INCLUDES GUARANTEED PREFERRED BENEFICIAL INTERESTS IN THE CORPORATION'S
JUNIOR SUBORDINATED DEBENTURES.
</FN>