<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 64,687 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 376,812 <INVESTMENTS-CARRYING> 253,062 <INVESTMENTS-MARKET> 260,772 <LOANS> 855,559 <ALLOWANCE> 12,434 <TOTAL-ASSETS> 1,675,568 <DEPOSITS> 1,396,306 <SHORT-TERM> 6,000 <LIABILITIES-OTHER> 18,654 <LONG-TERM> 105,000 <PREFERRED-MANDATORY> 29,805 <PREFERRED> 0 <COMMON> 7,603 <OTHER-SE> 112,199 <TOTAL-LIABILITIES-AND-EQUITY> 1,675,568 <INTEREST-LOAN> 19,839 <INTEREST-INVEST> 10,983 <INTEREST-OTHER> 68 <INTEREST-TOTAL> 30,890 <INTEREST-DEPOSIT> 12,440 <INTEREST-EXPENSE> 14,721 <INTEREST-INCOME-NET> 16,169 <LOAN-LOSSES> 1,371 <SECURITIES-GAINS> 266 <EXPENSE-OTHER> 12,664 <INCOME-PRETAX> 5,817 <INCOME-PRE-EXTRAORDINARY> 5,817 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,688 <EPS-PRIMARY> 0.49 <EPS-DILUTED> 0.48 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0