<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AS OF JUNE 30, 1998 AND THE CONSOLIDATED STATEMENT OF
OPERATIONS FOR THREE MONTHS ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                          21,843
<INT-BEARING-DEPOSITS>                          46,760
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    415,442
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        913,948
<ALLOWANCE>                                      3,142
<TOTAL-ASSETS>                               1,468,351
<DEPOSITS>                                   1,012,921
<SHORT-TERM>                                     3,731
<LIABILITIES-OTHER>                             25,630
<LONG-TERM>                                    335,748
<PREFERRED-MANDATORY>                              680
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      90,321
<TOTAL-LIABILITIES-AND-EQUITY>               1,468,351
<INTEREST-LOAN>                                 18,098
<INTEREST-INVEST>                                  264
<INTEREST-OTHER>                                 6,099
<INTEREST-TOTAL>                                24,461
<INTEREST-DEPOSIT>                              10,983
<INTEREST-EXPENSE>                               5,127
<INTEREST-INCOME-NET>                            8,351
<LOAN-LOSSES>                                       20
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,333
<INCOME-PRETAX>                                  3,285
<INCOME-PRE-EXTRAORDINARY>                       3,285
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,993
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    2.74
<LOANS-NON>                                      3,045
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   116
<LOANS-PROBLEM>                                  5,033
<ALLOWANCE-OPEN>                                 3,225
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,142
<ALLOWANCE-DOMESTIC>                               900
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,242