<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND MANAGEMENTS DISCUSSIONS AND ANALYSIS IN
FORM 10-Q FOR THE QUARTER ENDED MARCH 31, 1999, FOR EMERALD FINANCIAL CORP. AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           7,122
<INT-BEARING-DEPOSITS>                           1,581
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     80,925
<INVESTMENTS-CARRYING>                           2,693
<INVESTMENTS-MARKET>                             2,602
<LOANS>                                        551,690
<ALLOWANCE>                                      1,843
<TOTAL-ASSETS>                                 677,055
<DEPOSITS>                                     562,413
<SHORT-TERM>                                       377
<LIABILITIES-OTHER>                              6,390
<LONG-TERM>                                     46,193
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,097
<OTHER-SE>                                      51,585
<TOTAL-LIABILITIES-AND-EQUITY>                 677,055
<INTEREST-LOAN>                                 10,488
<INTEREST-INVEST>                                1,362
<INTEREST-OTHER>                                   132
<INTEREST-TOTAL>                                11,982
<INTEREST-DEPOSIT>                               6,628
<INTEREST-EXPENSE>                               7,272
<INTEREST-INCOME-NET>                            4,710
<LOAN-LOSSES>                                       22
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  2,897
<INCOME-PRETAX>                                  2,565
<INCOME-PRE-EXTRAORDINARY>                       2,565
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,732
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    2.95
<LOANS-NON>                                      1,797
<LOANS-PAST>                                       228
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                1,843
<ALLOWANCE-DOMESTIC>                             1,843
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0