<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FIRST CHARTER PARKPLACE FOR THE YEAR ENDED DECEMBER
31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             DEC-31-1997
<PERIOD-END>                               DEC-31-1998
<CASH>                                          41,884
<INT-BEARING-DEPOSITS>                           6,402
<FED-FUNDS-SOLD>                                11,713
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    331,799
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,422,676
<ALLOWANCE>                                     15,554 
<TOTAL-ASSETS>                               1,864,357
<DEPOSITS>                                   1,123,035
<SHORT-TERM>                                   327,097
<LIABILITIES-OTHER>                             25,406
<LONG-TERM>                                    142,847
<COMMON>                                       121,416
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     124,556
<TOTAL-LIABILITIES-AND-EQUITY>               1,864,357
<INTEREST-LOAN>                                116,376
<INTEREST-INVEST>                               18,906
<INTEREST-OTHER>                                 1,227
<INTEREST-TOTAL>                               136,509
<INTEREST-DEPOSIT>                              46,141
<INTEREST-EXPENSE>                              24,482
<INTEREST-INCOME-NET>                           65,886
<LOAN-LOSSES>                                    2,376
<SECURITIES-GAINS>                               2,222
<EXPENSE-OTHER>                                 59,166
<INCOME-PRETAX>                                 17,994
<INCOME-PRE-EXTRAORDINARY>                      17,994
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,236
<EPS-PRIMARY>                                     0.51
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    4.11
<LOANS-NON>                                      5,758
<LOANS-PAST>                                     2,270
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,263
<CHARGE-OFFS>                                    2,737
<RECOVERIES>                                       652
<ALLOWANCE-CLOSE>                               15,554
<ALLOWANCE-DOMESTIC>                            15,554
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>