<TABLE> <S> <C>


<ARTICLE>                                            9
<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>                                              16,023
<INT-BEARING-DEPOSITS>                               7,868
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        237,946
<INVESTMENTS-CARRYING>                             152,973
<INVESTMENTS-MARKET>                               154,944
<LOANS>                                            699,281
<ALLOWANCE>                                          8,783
<TOTAL-ASSETS>                                   1,140,762
<DEPOSITS>                                         727,703
<SHORT-TERM>                                       222,146
<LIABILITIES-OTHER>                                 10,067
<LONG-TERM>                                         64,871
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                68
<OTHER-SE>                                         115,907
<TOTAL-LIABILITIES-AND-EQUITY>                   1,140,762
<INTEREST-LOAN>                                     14,686
<INTEREST-INVEST>                                    6,469
<INTEREST-OTHER>                                       130
<INTEREST-TOTAL>                                    21,285
<INTEREST-DEPOSIT>                                   7,600
<INTEREST-EXPENSE>                                  11,918
<INTEREST-INCOME-NET>                                9,367
<LOAN-LOSSES>                                          126
<SECURITIES-GAINS>                                     118
<EXPENSE-OTHER>                                      4,982
<INCOME-PRETAX>                                      5,017
<INCOME-PRE-EXTRAORDINARY>                           5,017
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         3,212
<EPS-PRIMARY>                                          .50
<EPS-DILUTED>                                          .47
<YIELD-ACTUAL>                                        3.38
<LOANS-NON>                                          4,547
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       162
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     8,641
<CHARGE-OFFS>                                            0
<RECOVERIES>                                            16
<ALLOWANCE-CLOSE>                                    8,783
<ALLOWANCE-DOMESTIC>                                 8,783
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>