<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> 19,950 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,451 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 248,658 <INVESTMENTS-CARRYING> 46,000 <INVESTMENTS-MARKET> 46,240 <LOANS> 723,667 <ALLOWANCE> (6,691) <TOTAL-ASSETS> 1,068,688 <DEPOSITS> 733,198 <SHORT-TERM> 4,500 <LIABILITIES-OTHER> 7,089 <LONG-TERM> 245,473 <COMMON> 40,340 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 38,088 <TOTAL-LIABILITIES-AND-EQUITY> 1,068,688 <INTEREST-LOAN> 15,512 <INTEREST-INVEST> 4,950 <INTEREST-OTHER> 189 <INTEREST-TOTAL> 20,651 <INTEREST-DEPOSIT> 7,932 <INTEREST-EXPENSE> 11,558 <INTEREST-INCOME-NET> 9,093 <LOAN-LOSSES> 298 <SECURITIES-GAINS> 22 <EXPENSE-OTHER> 6,386 <INCOME-PRETAX> 3,971 <INCOME-PRE-EXTRAORDINARY> 2,632 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,632 <EPS-PRIMARY> .66 <EPS-DILUTED> .66 <YIELD-ACTUAL> 8.20 <LOANS-NON> 1,682 <LOANS-PAST> 1,261 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,599 <CHARGE-OFFS> (331) <RECOVERIES> 125 <ALLOWANCE-CLOSE> 6,691 <ALLOWANCE-DOMESTIC> 6,691 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0