<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>                                                                   7,096
<INT-BEARING-DEPOSITS>                                                   6,162
<FED-FUNDS-SOLD>                                                        23,550
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             44,689
<INVESTMENTS-CARRYING>                                                  46,123
<INVESTMENTS-MARKET>                                                    45,807
<LOANS>                                                                681,355
<ALLOWANCE>                                                              2,722
<TOTAL-ASSETS>                                                         840,719
<DEPOSITS>                                                             650,266
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                     87,173
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                   902
<OTHER-SE>                                                              93,005
<TOTAL-LIABILITIES-AND-EQUITY>                                         840,719
<INTEREST-LOAN>                                                         13,484
<INTEREST-INVEST>                                                        1,243
<INTEREST-OTHER>                                                           531
<INTEREST-TOTAL>                                                        15,258
<INTEREST-DEPOSIT>                                                       7,971
<INTEREST-EXPENSE>                                                       9,144
<INTEREST-INCOME-NET>                                                    6,114
<LOAN-LOSSES>                                                               95
<SECURITIES-GAINS>                                                          62
<EXPENSE-OTHER>                                                          3,792
<INCOME-PRETAX>                                                          2,934
<INCOME-PRE-EXTRAORDINARY>                                                   0
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             1,887
<EPS-PRIMARY>                                                              .22
<EPS-DILUTED>                                                              .21
<YIELD-ACTUAL>                                                            3.05
<LOANS-NON>                                                                931
<LOANS-PAST>                                                               460
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                         2,635
<CHARGE-OFFS>                                                                8
<RECOVERIES>                                                                 0
<ALLOWANCE-CLOSE>                                                        2,722
<ALLOWANCE-DOMESTIC>                                                         0
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                  2,722
        


</TABLE>