<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE REGISTRANT'S
CONSOLIDATED CONDENSED BALANCE SHEET AND STATEMENT OF INCOME FOR THE THREE
MONTHS ENDED MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          28,046
<INT-BEARING-DEPOSITS>                          38,798
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    295,147
<INVESTMENTS-CARRYING>                          65,711
<INVESTMENTS-MARKET>                            97,628
<LOANS>                                        910,167
<ALLOWANCE>                                      4,562
<TOTAL-ASSETS>                               1,519,719
<DEPOSITS>                                     998,646
<SHORT-TERM>                                    93,862
<LIABILITIES-OTHER>                             25,580
<LONG-TERM>                                    243,569
<PREFERRED-MANDATORY>                           50,000
<PREFERRED>                                      9,917
<COMMON>                                         8,440
<OTHER-SE>                                      89,705
<TOTAL-LIABILITIES-AND-EQUITY>               1,519,719
<INTEREST-LOAN>                                 21,209
<INTEREST-INVEST>                                5,443
<INTEREST-OTHER>                                   572
<INTEREST-TOTAL>                                27,224
<INTEREST-DEPOSIT>                              11,414
<INTEREST-EXPENSE>                               6,294
<INTEREST-INCOME-NET>                            9,516
<LOAN-LOSSES>                                      462
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                 11,616
<INCOME-PRETAX>                                  6,165
<INCOME-PRE-EXTRAORDINARY>                       4,059
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,059
<EPS-PRIMARY>                                     0.46
<EPS-DILUTED>                                     0.42
<YIELD-ACTUAL>                                    2.76
<LOANS-NON>                                      4,437
<LOANS-PAST>                                       198
<LOANS-TROUBLED>                                 7,868
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,538
<CHARGE-OFFS>                                    1,535
<RECOVERIES>                                        97
<ALLOWANCE-CLOSE>                                4,562
<ALLOWANCE-DOMESTIC>                             4,562
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0