<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
         This schedule contains summary financial information extracted from the
Company's consolidated balance sheet and the consolidated statement of
income and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          16,736
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                34,225
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    354,542
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        345,150
<ALLOWANCE>                                      2,074
<TOTAL-ASSETS>                                 810,679
<DEPOSITS>                                     729,546
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             12,377
<LONG-TERM>                                        356
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          6
<COMMON>                                            30
<OTHER-SE>                                      68,364
<TOTAL-LIABILITIES-AND-EQUITY>                 810,679
<INTEREST-LOAN>                                  7,069
<INTEREST-INVEST>                                6,107
<INTEREST-OTHER>                                   350
<INTEREST-TOTAL>                                13,526
<INTEREST-DEPOSIT>                               7,437
<INTEREST-EXPENSE>                               7,446
<INTEREST-INCOME-NET>                            6,080
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  5,178
<INCOME-PRETAX>                                  1,559
<INCOME-PRE-EXTRAORDINARY>                       1,559
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       957
<EPS-PRIMARY>                                     0.23
<EPS-DILUTED>                                     0.23
<YIELD-ACTUAL>                                    3.31
<LOANS-NON>                                  3,000,994
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   614
<LOANS-PROBLEM>                                  2,120
<ALLOWANCE-OPEN>                                 1,960
<CHARGE-OFFS>                                      212
<RECOVERIES>                                        26
<ALLOWANCE-CLOSE>                                2,074
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,074
        



</TABLE>