<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND MANAGEMENT'S DISCUSSION AND ANALYSIS IN
FORM 10-Q FOR THE THREE AND SIX MONTH PERIODS ENDED JUNE 30, 1998, FOR EMERALD
FINANCIAL CORP. AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-1998             DEC-31-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1998
<CASH>                                           8,735                   8,735
<INT-BEARING-DEPOSITS>                           1,206                   1,206
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     60,648                  60,648
<INVESTMENTS-CARRYING>                          28,813                  28,813
<INVESTMENTS-MARKET>                            29,172                  29,172
<LOANS>                                        487,631                 487,631
<ALLOWANCE>                                      1,576                   1,576
<TOTAL-ASSETS>                                 617,369                 617,369
<DEPOSITS>                                     531,623                 531,623
<SHORT-TERM>                                     1,043                   1,043
<LIABILITIES-OTHER>                              6,148                   6,148
<LONG-TERM>                                     26,070                  26,070
<PREFERRED-MANDATORY>                            9,874                   9,874
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      42,611                  42,611
<TOTAL-LIABILITIES-AND-EQUITY>                 617,369                 617,369
<INTEREST-LOAN>                                  9,637                  19,049
<INTEREST-INVEST>                                1,560                   3,067
<INTEREST-OTHER>                                   225                     467
<INTEREST-TOTAL>                                11,422                  22,583
<INTEREST-DEPOSIT>                               6,712                  13,231
<INTEREST-EXPENSE>                               7,120                  14,054
<INTEREST-INCOME-NET>                            4,302                   8,529
<LOAN-LOSSES>                                      244                     358
<SECURITIES-GAINS>                                  54                      54
<EXPENSE-OTHER>                                  2,246                   4,639
<INCOME-PRETAX>                                  2,769                   5,523
<INCOME-PRE-EXTRAORDINARY>                       2,769                   5,523
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,877                   3,733
<EPS-PRIMARY>                                      .18                     .36
<EPS-DILUTED>                                      .17                     .35
<YIELD-ACTUAL>                                    2.90                    2.91
<LOANS-NON>                                      1,217                   1,217
<LOANS-PAST>                                       275                     275
<LOANS-TROUBLED>                                   330                     330
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                      409                     409
<RECOVERIES>                                         1                       2
<ALLOWANCE-CLOSE>                                1,576                   1,576
<ALLOWANCE-DOMESTIC>                             1,576                   1,576
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0