<TABLE> <S> <C>



<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements at March 31, 1998, and is qualified
in its entirety by reference to the December 31, 1997 Consolidated Financial
Statements.
</LEGEND>
       
<S>                             <C>       <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           6,822
<INT-BEARING-DEPOSITS>                             204
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    161,596
<INVESTMENTS-CARRYING>                         135,465
<INVESTMENTS-MARKET>                           161,596
<LOANS>                                        396,522
<ALLOWANCE>                                      4,161
<TOTAL-ASSETS>                                 579,057
<DEPOSITS>                                     355,944
<SHORT-TERM>                                    65,553
<LIABILITIES-OTHER>                              9,556
<LONG-TERM>                                    100,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      47,960
<TOTAL-LIABILITIES-AND-EQUITY>                 579,057 
<INTEREST-LOAN>                                  7,566
<INTEREST-INVEST>                                2,588
<INTEREST-OTHER>                                   293
<INTEREST-TOTAL>                                10,447
<INTEREST-DEPOSIT>                               4,144
<INTEREST-EXPENSE>                               6,403
<INTEREST-INCOME-NET>                            4,044
<LOAN-LOSSES>                                      399
<SECURITIES-GAINS>                                 256
<EXPENSE-OTHER>                                  3,291
<INCOME-PRETAX>                                  1,539
<INCOME-PRE-EXTRAORDINARY>                       1,539
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,009
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                         0
<LOANS-PAST>                                     1,149
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,977
<CHARGE-OFFS>                                      271
<RECOVERIES>                                        56
<ALLOWANCE-CLOSE>                                4,161
<ALLOWANCE-DOMESTIC>                             4,161
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0            
        




</TABLE>