<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           4,447
<INT-BEARING-DEPOSITS>                             914
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,802
<INVESTMENTS-CARRYING>                          28,997
<INVESTMENTS-MARKET>                            29,144
<LOANS>                                        604,091<F1>
<ALLOWANCE>                                      3,268
<TOTAL-ASSETS>                                 677,038
<DEPOSITS>                                     494,909
<SHORT-TERM>                                    15,252
<LIABILITIES-OTHER>                              5,688
<LONG-TERM>                                     83,025
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,135
<OTHER-SE>                                      66,020
<TOTAL-LIABILITIES-AND-EQUITY>                 667,696
<INTEREST-LOAN>                                 11,459
<INTEREST-INVEST>                                  688
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                12,147
<INTEREST-DEPOSIT>                               5,537
<INTEREST-EXPENSE>                               7,079
<INTEREST-INCOME-NET>                            5,068
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,395
<INCOME-PRETAX>                                  2,556
<INCOME-PRE-EXTRAORDINARY>                       2,556
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,629
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    3.14
<LOANS-NON>                                        595
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,177
<CHARGE-OFFS>                                       20
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                3,268
<ALLOWANCE-DOMESTIC>                             3,268
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>See financial statement and notes thereto in Form 10-Q.
</FN>