<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  FINANCIAL  DATA  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION
EXTRACTED FROM THE UNAUDITED  FINANCIAL  STATEMENTS INCLUDED IN THE ACCOMPANYING
REPORT  ON FORM  10Q AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL STATEMENTS. THIS SCHEDULE HAS BEEN RESTATED FOR SFAS 128.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                              11,777
<INT-BEARING-DEPOSITS>                               5,300
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        171,770
<INVESTMENTS-CARRYING>                             183,009
<INVESTMENTS-MARKET>                               181,161
<LOANS>                                            667,998
<ALLOWANCE>                                          7,962
<TOTAL-ASSETS>                                   1,054,997
<DEPOSITS>                                         665,146
<SHORT-TERM>                                       203,384
<LIABILITIES-OTHER>                                  9,383
<LONG-TERM>                                         74,035
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                67
<OTHER-SE>                                         102,982
<TOTAL-LIABILITIES-AND-EQUITY>                   1,054,997
<INTEREST-LOAN>                                     13,581
<INTEREST-INVEST>                                    5,934
<INTEREST-OTHER>                                        45
<INTEREST-TOTAL>                                    19,560
<INTEREST-DEPOSIT>                                   6,795
<INTEREST-EXPENSE>                                  10,883
<INTEREST-INCOME-NET>                                8,677
<LOAN-LOSSES>                                          200
<SECURITIES-GAINS>                                      (2)
<EXPENSE-OTHER>                                      4,207
<INCOME-PRETAX>                                      4,697
<INCOME-PRE-EXTRAORDINARY>                           4,697
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,937
<EPS-PRIMARY>                                          .46 <F1>
<EPS-DILUTED>                                          .45 <F1>
<YIELD-ACTUAL>                                        3.40
<LOANS-NON>                                          4,860
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     7,759
<CHARGE-OFFS>                                           40
<RECOVERIES>                                            43
<ALLOWANCE-CLOSE>                                    7,962
<ALLOWANCE-DOMESTIC>                                 7,962
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        
<FN>
EARNINGS PER SHARE HAVE BEEN RESTATED FOR SFAS 128
</FN>


</TABLE>