<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AT JUNE 30, 1998 AND THE
CONSOLIDATED STATEMENT OF OPERATIONS FOR THREE MONTHS ENDED IN JUNE 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>                             APR-01-1998
<PERIOD-END>                               JUN-30-1998
<EXCHANGE-RATE>                 1
<CASH>                                          54,240
<INT-BEARING-DEPOSITS>                             721
<FED-FUNDS-SOLD>                                58,011
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    125,163
<INVESTMENTS-CARRYING>                         274,726
<INVESTMENTS-MARKET>                           275,956
<LOANS>                                        923,650
<ALLOWANCE>                                     11,362
<TOTAL-ASSETS>                               1,524,295
<DEPOSITS>                                   1,282,252
<SHORT-TERM>                                    65,474
<LIABILITIES-OTHER>                              8,847
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           213
<OTHER-SE>                                     166,131
<TOTAL-LIABILITIES-AND-EQUITY>               1,524,295
<INTEREST-LOAN>                                 21,150
<INTEREST-INVEST>                                5,996
<INTEREST-OTHER>                                   858
<INTEREST-TOTAL>                                28,004
<INTEREST-DEPOSIT>                              11,839
<INTEREST-EXPENSE>                              12,595
<INTEREST-INCOME-NET>                           15,409
<LOAN-LOSSES>                                    3,995
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,381
<INCOME-PRETAX>                                  3,980
<INCOME-PRE-EXTRAORDINARY>                       3,980
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,687
<EPS-PRIMARY>                                     0.13
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    8.14
<LOANS-NON>                                      7,054
<LOANS-PAST>                                       133
<LOANS-TROUBLED>                                    53
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,166
<CHARGE-OFFS>                                    6,213
<RECOVERIES>                                       414
<ALLOWANCE-CLOSE>                               11,362
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>