<TABLE> <S> <C>

<ARTICLE>     9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheet as of March 31, 1998, consolidated statement of
income for the three months ended March 31, 1998, schedules and other
required disclosures and is qualified in its entirety by reference to the
Company's March 31, 1998 Form 10-Q.
</LEGEND>
<MULTIPLIER>                         1,000
       
<S>                                  <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                        DEC-31-1998
<PERIOD-START>                           JAN-01-1998
<PERIOD-END>                             MAR-31-1998
<CASH>                               $        35,947
<INT-BEARING-DEPOSITS>                         2,135
<FED-FUNDS-SOLD>                               3,000
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   71,514
<INVESTMENTS-CARRYING>                             0
<INVESTMENTS-MARKET>                               0
<LOANS>                                    1,782,329
<ALLOWANCE>                                    8,458
<TOTAL-ASSETS>                             2,017,048
<DEPOSITS>                                 1,295,562
<SHORT-TERM>                                 316,019
<LIABILITIES-OTHER>                          221,701
<LONG-TERM>                                   47,500
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                      93,777
<OTHER-SE>                                    41,518
<TOTAL-LIABILITIES-AND-EQUITY>             2,017,048
<INTEREST-LOAN>                               32,159
<INTEREST-INVEST>                              1,663
<INTEREST-OTHER>                                  53
<INTEREST-TOTAL>                              33,875
<INTEREST-DEPOSIT>                            13,854
<INTEREST-EXPENSE>                            20,673
<INTEREST-INCOME-NET>                         13,202
<LOAN-LOSSES>                                  1,225
<SECURITIES-GAINS>                               (98)
<EXPENSE-OTHER>                               32,743
<INCOME-PRETAX>                                8,361
<INCOME-PRE-EXTRAORDINARY>                     5,409
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   5,409
<EPS-PRIMARY>                                    .29
<EPS-DILUTED>                                    .28
<YIELD-ACTUAL>                                  3.06
<LOANS-NON>                                   15,034
<LOANS-PAST>                                     931
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                2,840
<ALLOWANCE-OPEN>                               7,334
<CHARGE-OFFS>                                    142
<RECOVERIES>                                      41
<ALLOWANCE-CLOSE>                              8,458
<ALLOWANCE-DOMESTIC>                           7,393
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                        1,065
         

</TABLE>