<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                1000 
       
                                         
<PERIOD-TYPE>                                3-MOS
<FISCAL-YEAR-END>                            DEC-31-1998
<PERIOD-END>                                 MAR-31-1998
<CASH>                                        34,793
<INT-BEARING-DEPOSITS>                         2,537
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   89,654
<INVESTMENTS-CARRYING>                       339,916
<INVESTMENTS-MARKET>                         341,954
<LOANS>                                      242,601
<ALLOWANCE>                                    2,049
<TOTAL-ASSETS>                               639,455
<DEPOSITS>                                   450,629
<SHORT-TERM>                                  30,000
<LIABILITIES-OTHER>                            9,488
<LONG-TERM>                                   98,359
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         529
<OTHER-SE>                                    50,450
<TOTAL-LIABILITIES-AND-EQUITY>               639,455
<INTEREST-LOAN>                                4,904
<INTEREST-INVEST>                              4,815
<INTEREST-OTHER>                                 422
<INTEREST-TOTAL>                              10,141
<INTEREST-DEPOSIT>                             4,314
<INTEREST-EXPENSE>                             5,662
<INTEREST-INCOME-NET>                          4,479
<LOAN-LOSSES>                                     15
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                3,375
<INCOME-PRETAX>                                1,509
<INCOME-PRE-EXTRAORDINARY>                       993
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     993
<EPS-PRIMARY>                                    .34
<EPS-DILUTED>                                    .31
<YIELD-ACTUAL>                                  3.05
<LOANS-NON>                                        0
<LOANS-PAST>                                   1,382
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               2,029
<CHARGE-OFFS>                                      3
<RECOVERIES>                                       7
<ALLOWANCE-CLOSE>                              2,049
<ALLOWANCE-DOMESTIC>                           2,049
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                        2,049