<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1998 <CASH> 32963 <INT-BEARING-DEPOSITS> 7870 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 167260 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 548716 <ALLOWANCE> 8088 <TOTAL-ASSETS> 775783 <DEPOSITS> 635834 <SHORT-TERM> 48397 <LIABILITIES-OTHER> 5759 <LONG-TERM> 4620 <COMMON> 50516 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 30657 <TOTAL-LIABILITIES-AND-EQUITY> 775783 <INTEREST-LOAN> 12521 <INTEREST-INVEST> 2358 <INTEREST-OTHER> 51 <INTEREST-TOTAL> 14930 <INTEREST-DEPOSIT> 5820 <INTEREST-EXPENSE> 6441 <INTEREST-INCOME-NET> 8489 <LOAN-LOSSES> 710 <SECURITIES-GAINS> 79 <EXPENSE-OTHER> 6089 <INCOME-PRETAX> 4256 <INCOME-PRE-EXTRAORDINARY> 3011 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3011 <EPS-PRIMARY> 0.32<F1> <EPS-DILUTED> 0.32 <YIELD-ACTUAL> 5.25 <LOANS-NON> 1924 <LOANS-PAST> 1763 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8004 <CHARGE-OFFS> 767 <RECOVERIES> 141 <ALLOWANCE-CLOSE> 8088 <ALLOWANCE-DOMESTIC> 8088 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> EPS-BASIC </FN>