<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT MARCH 31, 1998 AND DECEMBER 31, 1997 AND
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS ENDED MARCH 31, 1998 
AND 1997.
</LEGEND>
<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>                                          21,267
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    219,122
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        458,527
<ALLOWANCE>                                    (2,825)
<TOTAL-ASSETS>                                 732,118
<DEPOSITS>                                     467,998
<SHORT-TERM>                                    37,893
<LIABILITIES-OTHER>                             12,873
<LONG-TERM>                                    129,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON> <F1>                                       91
<OTHER-SE>                                      84,863
<TOTAL-LIABILITIES-AND-EQUITY>                 732,118
<INTEREST-LOAN>                                  8,642
<INTEREST-INVEST>                                3,175
<INTEREST-OTHER>                                   284
<INTEREST-TOTAL>                                12,101
<INTEREST-DEPOSIT>                               5,703
<INTEREST-EXPENSE>                               7,788
<INTEREST-INCOME-NET>                            4,313
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                 896
<EXPENSE-OTHER>                                  3,254
<INCOME-PRETAX>                                  2,646
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,663
<EPS-PRIMARY> <F1><F2>                            0.31
<EPS-DILUTED> <F1>                                0.28
<YIELD-ACTUAL>                                    7.27
<LOANS-NON>                                        397
<LOANS-PAST>                                       383
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     95
<ALLOWANCE-OPEN>                                 2,748
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                2,825
<ALLOWANCE-DOMESTIC>                               962
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,863

<FN> 
<F1>AS THE RESULT OF A STOCK SPLIT STOCKHOLDERS EQUITY AND EARNINGS PER SHARE
DATA HAVE BEEN RESTATED TO RETROACTIVELY RESTATE THE IMPACT OF THE SPLIT.
<F2>AMOUNT REPORTED UNDER "EPS PRIMARY" IS ACTUALLY "EPS BASIC".
</FN>
        

</TABLE>