<TABLE> <S> <C>


<ARTICLE>                    9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Condensed Statements of Condition at March 31, 1998 (unaudited) and
the Consolidated Condensed Statements of Income for the Three Months Ended March
31, 1998 (unaudited) and is qualified in its entirety by reference to such
financial statements.
</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>                                         6,041
<INT-BEARING-DEPOSITS>                             0
<FED-FUNDS-SOLD>                               1,050
<TRADING-ASSETS>                                 358
<INVESTMENTS-HELD-FOR-SALE>                  204,282
<INVESTMENTS-CARRYING>                             0
<INVESTMENTS-MARKET>                               0
<LOANS>                                      262,484
<ALLOWANCE>                                   (5,385)
<TOTAL-ASSETS>                               479,776
<DEPOSITS>                                   336,362
<SHORT-TERM>                                  51,448
<LIABILITIES-OTHER>                            4,296
<LONG-TERM>                                   39,510
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                       5,619
<OTHER-SE>                                    42,541
<TOTAL-LIABILITIES-AND-EQUITY>               479,776
<INTEREST-LOAN>                                5,620
<INTEREST-INVEST>                              2,814
<INTEREST-OTHER>                                 155
<INTEREST-TOTAL>                               8,589
<INTEREST-DEPOSIT>                             3,179
<INTEREST-EXPENSE>                             4,487
<INTEREST-INCOME-NET>                          4,102
<LOAN-LOSSES>                                    100
<SECURITIES-GAINS>                               474
<EXPENSE-OTHER>                                2,310
<INCOME-PRETAX>                                2,686
<INCOME-PRE-EXTRAORDINARY>                     2,686
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   1,745
<EPS-PRIMARY>                                   0.34
<EPS-DILUTED>                                   0.31
<YIELD-ACTUAL>                                  7.54
<LOANS-NON>                                    2,687
<LOANS-PAST>                                       0
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                5,771
<ALLOWANCE-OPEN>                               5,306
<CHARGE-OFFS>                                     62
<RECOVERIES>                                      40
<ALLOWANCE-CLOSE>                              5,385
<ALLOWANCE-DOMESTIC>                           3,448
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                        1,936
        


</TABLE>