<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 12,136 <INT-BEARING-DEPOSITS> 839,675 <FED-FUNDS-SOLD> 48,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 586 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 950,589 <ALLOWANCE> 14,092 <TOTAL-ASSETS> 1,046,907 <DEPOSITS> 848,870 <SHORT-TERM> 105,000 <LIABILITIES-OTHER> 8,508 <LONG-TERM> 40,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 32 <OTHER-SE> 44,497 <TOTAL-LIABILITIES-AND-EQUITY> 1,046,907 <INTEREST-LOAN> 21,161 <INTEREST-INVEST> 833 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 21,994 <INTEREST-DEPOSIT> 10,737 <INTEREST-EXPENSE> 2,181 <INTEREST-INCOME-NET> 9,076 <LOAN-LOSSES> 1,485 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,947 <INCOME-PRETAX> 2,357 <INCOME-PRE-EXTRAORDINARY> 2,357 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,833 <EPS-PRIMARY> 0.58 <EPS-DILUTED> 0.32 <YIELD-ACTUAL> 9.23 <LOANS-NON> 19,258 <LOANS-PAST> 10,223 <LOANS-TROUBLED> 37,441 <LOANS-PROBLEM> 34,307 <ALLOWANCE-OPEN> 13,274 <CHARGE-OFFS> 667 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 14,092 <ALLOWANCE-DOMESTIC> 14,092 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0