<TABLE> <S> <C>

<ARTICLE>                           9
<LEGEND>
         THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
         CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AT SEPTEMBER 30, 1998 AND
         THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THREE MONTHS ENDED IN
         SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
         SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                         1,000
<CURRENCY>                                           U.S. DOLLARS
       
<S>                                 <C>
<PERIOD-TYPE>                       3-MOS
<FISCAL-YEAR-END>                                    DEC-31-1997
<PERIOD-START>                                       JUL-01-1998
<PERIOD-END>                                         SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                               40,757
<INT-BEARING-DEPOSITS>                               4,731
<FED-FUNDS-SOLD>                                     35,013
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          129,042
<INVESTMENTS-CARRYING>                               246,384
<INVESTMENTS-MARKET>                                 250,141
<LOANS>                                              1,002,528
<ALLOWANCE>                                          12,271
<TOTAL-ASSETS>                                       1,542,658
<DEPOSITS>                                           1,296,815
<SHORT-TERM>                                         64,728
<LIABILITIES-OTHER>                                  10,431
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             213
<OTHER-SE>                                           169,091
<TOTAL-LIABILITIES-AND-EQUITY>                       1,542,658
<INTEREST-LOAN>                                      21,897
<INTEREST-INVEST>                                    5,980
<INTEREST-OTHER>                                     594
<INTEREST-TOTAL>                                     28,471
<INTEREST-DEPOSIT>                                   12,272
<INTEREST-EXPENSE>                                   13,024
<INTEREST-INCOME-NET>                                15,447
<LOAN-LOSSES>                                        822
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                      13,469
<INCOME-PRETAX>                                      7,069
<INCOME-PRE-EXTRAORDINARY>                           7,069
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                         4,423
<EPS-PRIMARY>                                        0.21
<EPS-DILUTED>                                        0.21
<YIELD-ACTUAL>                                       8.09
<LOANS-NON>                                          8,137
<LOANS-PAST>                                         391
<LOANS-TROUBLED>                                     51
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     11,362
<CHARGE-OFFS>                                        625
<RECOVERIES>                                         712
<ALLOWANCE-CLOSE>                                    12,271
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>