<TABLE> <S> <C>

<ARTICLE>                            9
<MULTIPLIER>                         1000

<S>                                                <C>
<PERIOD-TYPE>                                      3-mos
<FISCAL-YEAR-END>                                  Dec-31-1997
<PERIOD-END>                                       Mar-31-1997
<CASH>                                                       39378
<INT-BEARING-DEPOSITS>                                        4765
<FED-FUNDS-SOLD>                                             45975
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 195243
<INVESTMENTS-CARRYING>                                         686
<INVESTMENTS-MARKET>                                           692
<LOANS>                                                     843278
<ALLOWANCE>                                                  13392
<TOTAL-ASSETS>                                             1163040
<DEPOSITS>                                                  800666
<SHORT-TERM>                                                115000
<LIABILITIES-OTHER>                                          18294
<LONG-TERM>                                                  57300
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4976
<OTHER-SE>                                                   87617
<TOTAL-LIABILITIES-AND-EQUITY>                             1163040
<INTEREST-LOAN>                                              18755
<INTEREST-INVEST>                                             2729
<INTEREST-OTHER>                                               717
<INTEREST-TOTAL>                                             22201
<INTEREST-DEPOSIT>                                            6969
<INTEREST-EXPENSE>                                           10413
<INTEREST-INCOME-NET>                                        11788
<LOAN-LOSSES>                                                  825
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                               8905
<INCOME-PRETAX>                                               4042
<INCOME-PRE-EXTRAORDINARY>                                    2684
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  2684
<EPS-PRIMARY>                                                 0.55
<EPS-DILUTED>                                                 0.51
<YIELD-ACTUAL>                                                4.50
<LOANS-NON>                                                  11093
<LOANS-PAST>                                                  7385
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             13734
<CHARGE-OFFS>                                                 1269
<RECOVERIES>                                                   102
<ALLOWANCE-CLOSE>                                            13392
<ALLOWANCE-DOMESTIC>                                         13392
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>