<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          18,202
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,341
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    158,975
<INVESTMENTS-CARRYING>                          43,009
<INVESTMENTS-MARKET>                            43,892
<LOANS>                                        378,611
<ALLOWANCE>                                      3,551
<TOTAL-ASSETS>                                 632,186
<DEPOSITS>                                     529,065
<SHORT-TERM>                                    22,831
<LIABILITIES-OTHER>                              7,942
<LONG-TERM>                                     19,455
<PREFERRED-MANDATORY>                              857
<PREFERRED>                                        500
<COMMON>                                         4,407
<OTHER-SE>                                      47,129
<TOTAL-LIABILITIES-AND-EQUITY>                 632,186
<INTEREST-LOAN>                                  8,546
<INTEREST-INVEST>                                3,151
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                11,697
<INTEREST-DEPOSIT>                               5,453
<INTEREST-EXPENSE>                               6,091
<INTEREST-INCOME-NET>                            5,606
<LOAN-LOSSES>                                      562
<SECURITIES-GAINS>                                (14)
<EXPENSE-OTHER>                                  4,835
<INCOME-PRETAX>                                  1,832
<INCOME-PRE-EXTRAORDINARY>                       1,832
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,243
<EPS-PRIMARY>                                    $0.28
<EPS-DILUTED>                                    $0.28
<YIELD-ACTUAL>                                    8.50
<LOANS-NON>                                      1,081
<LOANS-PAST>                                     1,362
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,188
<CHARGE-OFFS>                                      269
<RECOVERIES>                                        70
<ALLOWANCE-CLOSE>                                3,551
<ALLOWANCE-DOMESTIC>                             3,551
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Includes Minority Interest
</FN>