<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