<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> 30,576 <INT-BEARING-DEPOSITS> 362 <FED-FUNDS-SOLD> 10,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 217,813 <INVESTMENTS-CARRYING> 29,684 <INVESTMENTS-MARKET> 29,793 <LOANS> 702,194 <ALLOWANCE> 6,819 <TOTAL-ASSETS> 1,017,849 <DEPOSITS> 835,425 <SHORT-TERM> 25,054 <LIABILITIES-OTHER> 8,635 <LONG-TERM> 24,671 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 835 <OTHER-SE> 123,229 <TOTAL-LIABILITIES-AND-EQUITY> 1,017,849 <INTEREST-LOAN> 15,458 <INTEREST-INVEST> 3,441 <INTEREST-OTHER> 223 <INTEREST-TOTAL> 19,122 <INTEREST-DEPOSIT> 8,233 <INTEREST-EXPENSE> 8,970 <INTEREST-INCOME-NET> 10,152 <LOAN-LOSSES> 411 <SECURITIES-GAINS> 46 <EXPENSE-OTHER> 6,591 <INCOME-PRETAX> 5,832 <INCOME-PRE-EXTRAORDINARY> 3,824 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,824 <EPS-PRIMARY> .57 <EPS-DILUTED> .56 <YIELD-ACTUAL> 4.49 <LOANS-NON> 935 <LOANS-PAST> 2,140 <LOANS-TROUBLED> 508 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,778 <CHARGE-OFFS> 480 <RECOVERIES> 110 <ALLOWANCE-CLOSE> 6,819 <ALLOWANCE-DOMESTIC> 6,819 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0