<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 12,351 <INT-BEARING-DEPOSITS> 1 <FED-FUNDS-SOLD> 2,644 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 409,149 <INVESTMENTS-CARRYING> 79,801 <INVESTMENTS-MARKET> 0 <LOANS> 578,461 <ALLOWANCE> (6,786) <TOTAL-ASSETS> 1,120,340 <DEPOSITS> 821,842 <SHORT-TERM> 76,886 <LIABILITIES-OTHER> 6,683 <LONG-TERM> 111,445 <COMMON> 2,275 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 101,209 <TOTAL-LIABILITIES-AND-EQUITY> 1,120,340 <INTEREST-LOAN> 11,618 <INTEREST-INVEST> 7,727 <INTEREST-OTHER> 45 <INTEREST-TOTAL> 19,390 <INTEREST-DEPOSIT> 7,758 <INTEREST-EXPENSE> 10,585 <INTEREST-INCOME-NET> 8,805 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 513 <EXPENSE-OTHER> 4,710 <INCOME-PRETAX> 5,371 <INCOME-PRE-EXTRAORDINARY> 5,371 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,248 <EPS-PRIMARY> 0.71 <EPS-DILUTED> 0.68 <YIELD-ACTUAL> 7.19 <LOANS-NON> 1,377 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,733 <CHARGE-OFFS> 30 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 6,786 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0