<TABLE> <S> <C>


<ARTICLE>                     9
<MULTIPLIER>                                            1,000
       
<S>                                               <C>
<PERIOD-TYPE>                                           3-MOS
<FISCAL-YEAR-END>                                 DEC-31-1998
<PERIOD-END>                                      MAR-31-1998
<CASH>                                                 12,351
<INT-BEARING-DEPOSITS>                                      1
<FED-FUNDS-SOLD>                                        2,644
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                           409,149
<INVESTMENTS-CARRYING>                                 79,801
<INVESTMENTS-MARKET>                                        0
<LOANS>                                               578,461
<ALLOWANCE>                                            (6,786)
<TOTAL-ASSETS>                                      1,120,340
<DEPOSITS>                                            821,842
<SHORT-TERM>                                           76,886
<LIABILITIES-OTHER>                                     6,683
<LONG-TERM>                                           111,445
<COMMON>                                                2,275
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<OTHER-SE>                                            101,209
<TOTAL-LIABILITIES-AND-EQUITY>                      1,120,340
<INTEREST-LOAN>                                        11,618
<INTEREST-INVEST>                                       7,727
<INTEREST-OTHER>                                           45
<INTEREST-TOTAL>                                       19,390
<INTEREST-DEPOSIT>                                      7,758
<INTEREST-EXPENSE>                                     10,585
<INTEREST-INCOME-NET>                                   8,805
<LOAN-LOSSES>                                              75
<SECURITIES-GAINS>                                        513
<EXPENSE-OTHER>                                         4,710
<INCOME-PRETAX>                                         5,371
<INCOME-PRE-EXTRAORDINARY>                              5,371
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                            3,248
<EPS-PRIMARY>                                            0.71
<EPS-DILUTED>                                            0.68
<YIELD-ACTUAL>                                           7.19
<LOANS-NON>                                             1,377
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                        6,733
<CHARGE-OFFS>                                              30
<RECOVERIES>                                                8
<ALLOWANCE-CLOSE>                                       6,786
<ALLOWANCE-DOMESTIC>                                        0
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
        


</TABLE>