<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <EXCHANGE-RATE> 1 <CASH> 22,851 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 23 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 239,810 <INVESTMENTS-CARRYING> 32,783 <INVESTMENTS-MARKET> 33,931 <LOANS> 776,213 <ALLOWANCE> (6,719) <TOTAL-ASSETS> 1,114,980 <DEPOSITS> 760,175 <SHORT-TERM> 2,300 <LIABILITIES-OTHER> 8,210 <LONG-TERM> 257,214 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 63,633 <OTHER-SE> 23,448 <TOTAL-LIABILITIES-AND-EQUITY> 1,114,980 <INTEREST-LOAN> 16,492 <INTEREST-INVEST> 4,566 <INTEREST-OTHER> 177 <INTEREST-TOTAL> 21,235 <INTEREST-DEPOSIT> 8,480 <INTEREST-EXPENSE> 12,100 <INTEREST-INCOME-NET> 9,135 <LOAN-LOSSES> 307 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 6,994 <INCOME-PRETAX> 4,168 <INCOME-PRE-EXTRAORDINARY> 2,808 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,808 <EPS-PRIMARY> .35 <EPS-DILUTED> .35 <YIELD-ACTUAL> 8.37 <LOANS-NON> 1,295 <LOANS-PAST> 1,517 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,617 <CHARGE-OFFS> (384) <RECOVERIES> 179 <ALLOWANCE-CLOSE> 6,719 <ALLOWANCE-DOMESTIC> 6,719 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0