<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