<ARTICLE> 9 <PERIOD-TYPE> 3-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1998 <PERIOD-START> JAN-31-1997 JAN-31-1998 <PERIOD-END> MAR-31-1997 MAR-31-1998 <CASH> 44,552 44,309 <INT-BEARING-DEPOSITS> 396 574 <FED-FUNDS-SOLD> 44,617 68,505 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 119,862 203,831 <INVESTMENTS-CARRYING> 9,297 6,614 <INVESTMENTS-MARKET> 9,273 6,598 <LOANS> 396,835 421,422 <ALLOWANCE> 3,907 4,280 <TOTAL-ASSETS> 645,134 783,474 <DEPOSITS> 574,423 700,625 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 6,573 8,525 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 49,492 58,310 <OTHER-SE> 14,646 16,014 <TOTAL-LIABILITIES-AND-EQUITY> 645,134 783,474 <INTEREST-LOAN> 9,531 10,369 <INTEREST-INVEST> 2,455 4,156 <INTEREST-OTHER> 0 0 <INTEREST-TOTAL> 11,986 14,525 <INTEREST-DEPOSIT> 3,855 4,964 <INTEREST-EXPENSE> 3,862 4,967 <INTEREST-INCOME-NET> 8,124 9,558 <LOAN-LOSSES> 285 345 <SECURITIES-GAINS> 0 4 <EXPENSE-OTHER> 4,960 5,514 <INCOME-PRETAX> 3,684 4,640 <INCOME-PRE-EXTRAORDINARY> 3,684 4,640 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 2,242 2,792 <EPS-PRIMARY> 0.52 0.65 <EPS-DILUTED> 0.50 0.62 <YIELD-ACTUAL> 8.6 8.5 <LOANS-NON> 1,550 905 <LOANS-PAST> 762 193 <LOANS-TROUBLED> 274 168 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 3,672 4,266 <CHARGE-OFFS> 88 417 <RECOVERIES> 38 86 <ALLOWANCE-CLOSE> 3,907 4,280 <ALLOWANCE-DOMESTIC> 3,907 4,280 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0