<TABLE> <S> <C>
                        
<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                                         <C>               
<PERIOD-TYPE>                                 3-MOS           
<FISCAL-YEAR-END>                           DEC-31-1998       
<PERIOD-START>                              JAN-01-1998       
<PERIOD-END>                                MAR-31-1998       
<CASH>                                         33,817         
<INT-BEARING-DEPOSITS>                        109,185         
<FED-FUNDS-SOLD>                                  850         
<TRADING-ASSETS>                                   0          
<INVESTMENTS-HELD-FOR-SALE>                   133,283         
<INVESTMENTS-CARRYING>                          9,735         
<INVESTMENTS-MARKET>                            9,771         
<LOANS>                                       676,447         
<ALLOWANCE>                                     6,619         
<TOTAL-ASSETS>                              1,016,106         
<DEPOSITS>                                    752,751         
<SHORT-TERM>                                   99,771         
<LIABILITIES-OTHER>                            25,186         
<LONG-TERM>                                    50,000         
<PREFERRED-MANDATORY>                               0         
<PREFERRED>                                     8,674         
<COMMON>                                       55,173         
<OTHER-SE>                                     24,551         
<TOTAL-LIABILITIES-AND-EQUITY>              1,016,106         
<INTEREST-LOAN>                                14,765             
<INTEREST-INVEST>                               2,289         
<INTEREST-OTHER>                                    0         
<INTEREST-TOTAL>                               17,054         
<INTEREST-DEPOSIT>                              5,686         
<INTEREST-EXPENSE>                                898         
<INTEREST-INCOME-NET>                          10,470         
<LOAN-LOSSES>                                      30         
<SECURITIES-GAINS>                                168         
<EXPENSE-OTHER>                                 8,226         
<INCOME-PRETAX>                                 1,989         
<INCOME-PRE-EXTRAORDINARY>                      4,989         
<EXTRAORDINARY>                                     0         
<CHANGES>                                           0         
<NET-INCOME>                                    3,144         
<EPS-PRIMARY>                                    $.13         
<EPS-DILUTED>                                    $.13         
<YIELD-ACTUAL>                                   5.22         
<LOANS-NON>                                     6,158         
<LOANS-PAST>                                        0         
<LOANS-TROUBLED>                                    0         
<LOANS-PROBLEM>                                     0         
<ALLOWANCE-OPEN>                                6,663         
<CHARGE-OFFS>                                     190         
<RECOVERIES>                                      116         
<ALLOWANCE-CLOSE>                               6,619         
<ALLOWANCE-DOMESTIC>                            6,619         
<ALLOWANCE-FOREIGN>                                 0         
<ALLOWANCE-UNALLOCATED>                         1,044         
        





</TABLE>