<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
               
<MULTIPLIER>                                   1,000
       
<S>                                         <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                            24,103
<INT-BEARING-DEPOSITS>                             4,815
<FED-FUNDS-SOLD>                                  27,600
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        6,642
<INVESTMENTS-CARRYING>                           273,022
<INVESTMENTS-MARKET>                             271,359
<LOANS>                                        1,173,430
<ALLOWANCE>                                        4,832 
<TOTAL-ASSETS>                                 1,559,294
<DEPOSITS>                                     1,189,386
<SHORT-TERM>                                      38,410
<LIABILITIES-OTHER>                               32,324
<LONG-TERM>                                       86,368
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                           2,013
<OTHER-SE>                                       210,793
<TOTAL-LIABILITIES-AND-EQUITY>                 1,559,294
<INTEREST-LOAN>                                   22,534
<INTEREST-INVEST>                                  4,715
<INTEREST-OTHER>                                     283
<INTEREST-TOTAL>                                  27,532
<INTEREST-DEPOSIT>                                12,829
<INTEREST-EXPENSE>                                14,838
<INTEREST-INCOME-NET>                             12,694
<LOAN-LOSSES>                                        137
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    6,595
<INCOME-PRETAX>                                    7,627
<INCOME-PRE-EXTRAORDINARY>                         4,806
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       4,806
<EPS-PRIMARY>                                       0.31
<EPS-DILUTED>                                       0.29
<YIELD-ACTUAL>                                      3.40
<LOANS-NON>                                        2,560
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   4,716
<CHARGE-OFFS>                                         45
<RECOVERIES>                                          24
<ALLOWANCE-CLOSE>                                  4,832
<ALLOWANCE-DOMESTIC>                               4,832
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        


</TABLE>