<ARTICLE> 9
<CIK> 0000933141
<NAME> ISB FINANCIAL
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          11,747
<INT-BEARING-DEPOSITS>                          41,490
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,802
<INVESTMENTS-CARRYING>                         105,959
<INVESTMENTS-MARKET>                           107,160
<LOANS>                                        672,970
<ALLOWANCE>                                    (5,544)
<TOTAL-ASSETS>                                 943,275
<DEPOSITS>                                     771,823
<SHORT-TERM>                                    46,462
<LIABILITIES-OTHER>                              7,548
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,381
<OTHER-SE>                                     110,061
<TOTAL-LIABILITIES-AND-EQUITY>                 943,275
<INTEREST-LOAN>                                 14,033
<INTEREST-INVEST>                                3,045
<INTEREST-OTHER>                                   486
<INTEREST-TOTAL>                                17,564
<INTEREST-DEPOSIT>                               7,793
<INTEREST-EXPENSE>                               8,546
<INTEREST-INCOME-NET>                            9,018
<LOAN-LOSSES>                                      230
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,052
<INCOME-PRETAX>                                  3,533
<INCOME-PRE-EXTRAORDINARY>                       2,147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,147
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    7.97
<LOANS-NON>                                      2,140
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,172
<ALLOWANCE-OPEN>                                 5,258
<CHARGE-OFFS>                                      181
<RECOVERIES>                                       237
<ALLOWANCE-CLOSE>                                5,544
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,544