<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 8,499 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 39,234 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 145,227 <INVESTMENTS-CARRYING> 78,266 <INVESTMENTS-MARKET> 78,357 <LOANS> 542,496 <ALLOWANCE> 12,464 <TOTAL-ASSETS> 817,202 <DEPOSITS> 469,853 <SHORT-TERM> 62,015 <LIABILITIES-OTHER> 13,871 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 291 <OTHER-SE> 271,172 <TOTAL-LIABILITIES-AND-EQUITY> 817,202 <INTEREST-LOAN> 11,254 <INTEREST-INVEST> 3,238 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14,492 <INTEREST-DEPOSIT> 5,638 <INTEREST-EXPENSE> 6,690 <INTEREST-INCOME-NET> 7,802 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 8 <EXPENSE-OTHER> 2,125 <INCOME-PRETAX> 5,883 <INCOME-PRE-EXTRAORDINARY> 3,770 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,770 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 4.11 <LOANS-NON> 448 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,287 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,463 <CHARGE-OFFS> 0 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 12,464 <ALLOWANCE-DOMESTIC> 7,392 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 5,072