<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AT MARCH 31, 1998 AND THE
CONSOLIDATED STATEMENT OF OPERATIONS FOR THREE MONTHS ENDED IN MARCH 31, 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>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          58,014
<INT-BEARING-DEPOSITS>                          12,872
<FED-FUNDS-SOLD>                                63,004
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    106,668
<INVESTMENTS-CARRYING>                         279,803
<INVESTMENTS-MARKET>                           280,798
<LOANS>                                        938,657
<ALLOWANCE>                                     13,166
<TOTAL-ASSETS>                               1,543,577
<DEPOSITS>                                   1,303,190
<SHORT-TERM>                                    62,939
<LIABILITIES-OTHER>                             10,931
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           213
<OTHER-SE>                                     164,932
<TOTAL-LIABILITIES-AND-EQUITY>               1,543,577
<INTEREST-LOAN>                                 20,984
<INTEREST-INVEST>                                5,855
<INTEREST-OTHER>                                   895
<INTEREST-TOTAL>                                27,734
<INTEREST-DEPOSIT>                              11,970
<INTEREST-EXPENSE>                              12,581
<INTEREST-INCOME-NET>                           15,153
<LOAN-LOSSES>                                    1,500
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                 13,115
<INCOME-PRETAX>                                  6,242
<INCOME-PRE-EXTRAORDINARY>                       6,242
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,269
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.21
<YIELD-ACTUAL>                                    8.19
<LOANS-NON>                                     10,959
<LOANS-PAST>                                       417
<LOANS-TROUBLED>                                    56
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,999
<CHARGE-OFFS>                                      680
<RECOVERIES>                                       340
<ALLOWANCE-CLOSE>                               13,166
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>