<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE INTERIM
FINANCIAL STATEMENTS OF THE REGISTRANT FOR THE THREE MONTHS ENDED MARCH 31, 1997
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>                                         102,916
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                29,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    357,402
<INVESTMENTS-CARRYING>                          39,509
<INVESTMENTS-MARKET>                            40,273
<LOANS>                                        926,769
<ALLOWANCE>                                     12,699
<TOTAL-ASSETS>                               1,532,855
<DEPOSITS>                                   1,357,653
<SHORT-TERM>                                     5,061
<LIABILITIES-OTHER>                             11,624
<LONG-TERM>                                     32,024
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,363
<OTHER-SE>                                     120,128
<TOTAL-LIABILITIES-AND-EQUITY>               1,532,855
<INTEREST-LOAN>                                 20,897
<INTEREST-INVEST>                                5,078
<INTEREST-OTHER>                                   499
<INTEREST-TOTAL>                                26,474
<INTEREST-DEPOSIT>                              10,200
<INTEREST-EXPENSE>                              11,074
<INTEREST-INCOME-NET>                           15,400
<LOAN-LOSSES>                                      577
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,871
<INCOME-PRETAX>                                  6,328
<INCOME-PRE-EXTRAORDINARY>                       3,970
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,970
<EPS-PRIMARY>                                     0.62
<EPS-DILUTED>                                     0.60
<YIELD-ACTUAL>                                    5.01
<LOANS-NON>                                      3,429
<LOANS-PAST>                                     1,086
<LOANS-TROUBLED>                                   358
<LOANS-PROBLEM>                                 12,463
<ALLOWANCE-OPEN>                                12,284
<CHARGE-OFFS>                                      528
<RECOVERIES>                                        75
<ALLOWANCE-CLOSE>                               12,699
<ALLOWANCE-DOMESTIC>                            12,699
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         11,042