<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>                                          34,136
<INT-BEARING-DEPOSITS>                           2,700
<FED-FUNDS-SOLD>                                53,375
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    129,555
<INVESTMENTS-CARRYING>                          12,360
<INVESTMENTS-MARKET>                            12,713
<LOANS>                                        564,760
<ALLOWANCE>                                      6,776
<TOTAL-ASSETS>                                 834,764
<DEPOSITS>                                     683,123
<SHORT-TERM>                                    34,107
<LIABILITIES-OTHER>                              6,274
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        19,713
<OTHER-SE>                                      91,547
<TOTAL-LIABILITIES-AND-EQUITY>                 834,764
<INTEREST-LOAN>                                 12,845
<INTEREST-INVEST>                                2,103
<INTEREST-OTHER>                                   745
<INTEREST-TOTAL>                                15,693
<INTEREST-DEPOSIT>                               5,542
<INTEREST-EXPENSE>                               5,982
<INTEREST-INCOME-NET>                            9,711
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                  44
<EXPENSE-OTHER>                                  5,744
<INCOME-PRETAX>                                  5,641
<INCOME-PRE-EXTRAORDINARY>                       5,641
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,717
<EPS-PRIMARY>                                      .61
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                    8.39
<LOANS-NON>                                      1,818
<LOANS-PAST>                                     1,695
<LOANS-TROUBLED>                                   331
<LOANS-PROBLEM>                                  7,259
<ALLOWANCE-OPEN>                                 6,254
<CHARGE-OFFS>                                      556
<RECOVERIES>                                       878
<ALLOWANCE-CLOSE>                                6,776
<ALLOWANCE-DOMESTIC>                             4,503
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,273