<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>                                          13,205
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                27,223
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    157,141
<INVESTMENTS-CARRYING>                          20,757
<INVESTMENTS-MARKET>                            21,222
<LOANS>                                        316,099
<ALLOWANCE>                                      3,600
<TOTAL-ASSETS>                                 560,227
<DEPOSITS>                                     362,938
<SHORT-TERM>                                    82,548
<LIABILITIES-OTHER>                              3,872
<LONG-TERM>                                     29,752
<PREFERRED-MANDATORY>                           28,750
<PREFERRED>                                          0
<COMMON>                                           985
<OTHER-SE>                                      51,382
<TOTAL-LIABILITIES-AND-EQUITY>                 560,227
<INTEREST-LOAN>                                  7,833
<INTEREST-INVEST>                                1,361
<INTEREST-OTHER>                                   641
<INTEREST-TOTAL>                                 9,835
<INTEREST-DEPOSIT>                               4,189
<INTEREST-EXPENSE>                               5,279
<INTEREST-INCOME-NET>                            4,556
<LOAN-LOSSES>                                      276
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  3,164
<INCOME-PRETAX>                                  1,606
<INCOME-PRE-EXTRAORDINARY>                       1,381
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,381
<EPS-PRIMARY>                                      .28
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    4.08<F1>
<LOANS-NON>                                        732
<LOANS-PAST>                                       810
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,144
<CHARGE-OFFS>                                      207
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                3,600<F2>
<ALLOWANCE-DOMESTIC>                             3,600
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Computed on a tax-equivalent basis.
<F2>Includes allowance acquired through merger.
</FN>