<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 82,595 <INT-BEARING-DEPOSITS> 99 <FED-FUNDS-SOLD> 48,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,887 <INVESTMENTS-CARRYING> 157,422 <INVESTMENTS-MARKET> 155,012 <LOANS> 442,223 <ALLOWANCE> 11,798 <TOTAL-ASSETS> 819,599 <DEPOSITS> 713,322 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 14,670 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 76,066 <OTHER-SE> 14,541 <TOTAL-LIABILITIES-AND-EQUITY> 819,599 <INTEREST-LOAN> 11,242 <INTEREST-INVEST> 3,374 <INTEREST-OTHER> 384 <INTEREST-TOTAL> 15,000 <INTEREST-DEPOSIT> 4,103 <INTEREST-EXPENSE> 4,183 <INTEREST-INCOME-NET> 10,817 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,325 <INCOME-PRETAX> 4,454 <INCOME-PRE-EXTRAORDINARY> 4,454 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,717 <EPS-PRIMARY> .23 <EPS-DILUTED> .23 <YIELD-ACTUAL> 2.13 <LOANS-NON> 1,108 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,119 <CHARGE-OFFS> 770 <RECOVERIES> 449 <ALLOWANCE-CLOSE> 11,798 <ALLOWANCE-DOMESTIC> 11,798 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,608