<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                                            <C>                <C>
<PERIOD-TYPE>                                  3-MOS              3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997        DEC-31-1998
<PERIOD-START>                                 JAN-31-1997        JAN-31-1998
<PERIOD-END>                                   MAR-31-1997        MAR-31-1998
<CASH>                                          44,552             44,309
<INT-BEARING-DEPOSITS>                             396                574
<FED-FUNDS-SOLD>                                44,617             68,505
<TRADING-ASSETS>                                     0                  0
<INVESTMENTS-HELD-FOR-SALE>                    119,862            203,831
<INVESTMENTS-CARRYING>                           9,297              6,614
<INVESTMENTS-MARKET>                             9,273              6,598
<LOANS>                                        396,835            421,422
<ALLOWANCE>                                      3,907              4,280
<TOTAL-ASSETS>                                 645,134            783,474
<DEPOSITS>                                     574,423            700,625
<SHORT-TERM>                                         0                  0
<LIABILITIES-OTHER>                              6,573              8,525
<LONG-TERM>                                          0                  0
<PREFERRED-MANDATORY>                                0                  0
<PREFERRED>                                          0                  0
<COMMON>                                        49,492             58,310
<OTHER-SE>                                      14,646             16,014
<TOTAL-LIABILITIES-AND-EQUITY>                 645,134            783,474
<INTEREST-LOAN>                                  9,531             10,369
<INTEREST-INVEST>                                2,455              4,156
<INTEREST-OTHER>                                     0                  0
<INTEREST-TOTAL>                                11,986             14,525
<INTEREST-DEPOSIT>                               3,855              4,964
<INTEREST-EXPENSE>                               3,862              4,967
<INTEREST-INCOME-NET>                            8,124              9,558
<LOAN-LOSSES>                                      285                345
<SECURITIES-GAINS>                                   0                  4
<EXPENSE-OTHER>                                  4,960              5,514
<INCOME-PRETAX>                                  3,684              4,640
<INCOME-PRE-EXTRAORDINARY>                       3,684              4,640
<EXTRAORDINARY>                                      0                  0
<CHANGES>                                            0                  0
<NET-INCOME>                                     2,242              2,792
<EPS-PRIMARY>                                     0.52               0.65
<EPS-DILUTED>                                     0.50               0.62
<YIELD-ACTUAL>                                     8.6                8.5
<LOANS-NON>                                      1,550                905
<LOANS-PAST>                                       762                193
<LOANS-TROUBLED>                                   274                168
<LOANS-PROBLEM>                                      0                  0
<ALLOWANCE-OPEN>                                 3,672              4,266
<CHARGE-OFFS>                                       88                417
<RECOVERIES>                                        38                 86
<ALLOWANCE-CLOSE>                                3,907              4,280
<ALLOWANCE-DOMESTIC>                             3,907              4,280
<ALLOWANCE-FOREIGN>                                  0                  0
<ALLOWANCE-UNALLOCATED>                              0                  0
        


</TABLE>