<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           3,881
<INT-BEARING-DEPOSITS>                       1,097,684
<FED-FUNDS-SOLD>                               124,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    490,695
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        647,068
<ALLOWANCE>                                      7,088
<TOTAL-ASSETS>                               1,323,466
<DEPOSITS>                                   1,125,902
<SHORT-TERM>                                    19,012
<LIABILITIES-OTHER>                             24,539
<LONG-TERM>                                     19,798
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     134,215
<TOTAL-LIABILITIES-AND-EQUITY>               1,323,466
<INTEREST-LOAN>                                 13,177
<INTEREST-INVEST>                                7,410
<INTEREST-OTHER>                                   677
<INTEREST-TOTAL>                                21,264
<INTEREST-DEPOSIT>                              10,965
<INTEREST-EXPENSE>                              11,529
<INTEREST-INCOME-NET>                            9,735
<LOAN-LOSSES>                                      257
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,753
<INCOME-PRETAX>                                  4,496
<INCOME-PRE-EXTRAORDINARY>                       2,946
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,946
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.39
<LOANS-NON>                                      2,965
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,372
<ALLOWANCE-OPEN>                                 6,921
<CHARGE-OFFS>                                      204
<RECOVERIES>                                       114
<ALLOWANCE-CLOSE>                                7,088
<ALLOWANCE-DOMESTIC>                             1,832
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,256