<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          65,009
<INT-BEARING-DEPOSITS>                             378
<FED-FUNDS-SOLD>                                47,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    189,813
<INVESTMENTS-CARRYING>                          38,055
<INVESTMENTS-MARKET>                            38,852
<LOANS>                                        694,882
<ALLOWANCE>                                    (15,250)
<TOTAL-ASSETS>                               1,184,286
<DEPOSITS>                                     996,505
<SHORT-TERM>                                    11,900
<LIABILITIES-OTHER>                             22,390
<LONG-TERM>                                     83,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        44,916
<OTHER-SE>                                      25,183
<TOTAL-LIABILITIES-AND-EQUITY>               1,184,286
<INTEREST-LOAN>                                 17,186
<INTEREST-INVEST>                                4,712
<INTEREST-OTHER>                                   756
<INTEREST-TOTAL>                                22,654
<INTEREST-DEPOSIT>                               7,965
<INTEREST-EXPENSE>                               9,288
<INTEREST-INCOME-NET>                           13,366
<LOAN-LOSSES>                                      866
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  8,500
<INCOME-PRETAX>                                  5,411
<INCOME-PRE-EXTRAORDINARY>                       5,411
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,646
<EPS-PRIMARY>                                     0.45
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    5.15
<LOANS-NON>                                      3,024
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,208
<CHARGE-OFFS>                                     (855)
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                               15,250
<ALLOWANCE-DOMESTIC>                            15,250
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0