<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 40,193 <INT-BEARING-DEPOSITS> 6,841 <FED-FUNDS-SOLD> 39,556 <TRADING-ASSETS> 8,131 <INVESTMENTS-HELD-FOR-SALE> 170,749 <INVESTMENTS-CARRYING> 52,287 <INVESTMENTS-MARKET> 52,667 <LOANS> 851,309 <ALLOWANCE> 12,959 <TOTAL-ASSETS> 1,281,322 <DEPOSITS> 967,685 <SHORT-TERM> 27,000 <LIABILITIES-OTHER> 49,345 <LONG-TERM> 19,576 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,648 <OTHER-SE> 91,961 <TOTAL-LIABILITIES-AND-EQUITY> 1,281,322 <INTEREST-LOAN> 19,244 <INTEREST-INVEST> 3,346 <INTEREST-OTHER> 842 <INTEREST-TOTAL> 23,432 <INTEREST-DEPOSIT> 9,361 <INTEREST-EXPENSE> 11,839 <INTEREST-INCOME-NET> 11,593 <LOAN-LOSSES> 265 <SECURITIES-GAINS> 28 <EXPENSE-OTHER> 12,514 <INCOME-PRETAX> 5,373 <INCOME-PRE-EXTRAORDINARY> 5,373 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,748 <EPS-PRIMARY> 0 <EPS-DILUTED> .42 <YIELD-ACTUAL> 8.33 <LOANS-NON> 3,645 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,003 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,829 <CHARGE-OFFS> 686 <RECOVERIES> 551 <ALLOWANCE-CLOSE> 12,959 <ALLOWANCE-DOMESTIC> 12,959 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 12,959