<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> 14,717 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 525,926 <INVESTMENTS-CARRYING> 8,628 <INVESTMENTS-MARKET> 8,691 <LOANS> 1,618,290 <ALLOWANCE> 17,972 <TOTAL-ASSETS> 2,269,953 <DEPOSITS> 1,284,386 <SHORT-TERM> 266,156 <LIABILITIES-OTHER> 10,418 <LONG-TERM> 595,224 <PREFERRED-MANDATORY> 0 <PREFERRED> 5 <COMMON> 1 <OTHER-SE> 80,513 <TOTAL-LIABILITIES-AND-EQUITY> 2,269,953 <INTEREST-LOAN> 28,278 <INTEREST-INVEST> 10,666 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 38,944 <INTEREST-DEPOSIT> 16,128 <INTEREST-EXPENSE> 28,771 <INTEREST-INCOME-NET> 10,173 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 323 <EXPENSE-OTHER> 7,680 <INCOME-PRETAX> 2,901 <INCOME-PRE-EXTRAORDINARY> 2,901 <EXTRAORDINARY> 869 <CHANGES> 0 <NET-INCOME> 2,032 <EPS-PRIMARY> 0.18 <EPS-DILUTED> 0.18 <YIELD-ACTUAL> 7.07 <LOANS-NON> 12,232 <LOANS-PAST> 0 <LOANS-TROUBLED> 9,896 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 17,824 <CHARGE-OFFS> 303 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 17,972 <ALLOWANCE-DOMESTIC> 17,972 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0