<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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          14,549
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                56,655
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    230,490
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        400,000
<ALLOWANCE>                                      3,468
<TOTAL-ASSETS>                                 753,667
<DEPOSITS>                                     661,046
<SHORT-TERM>                                       474
<LIABILITIES-OTHER>                             17,650
<LONG-TERM>                                        182
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          6
<COMMON>                                            30
<OTHER-SE>                                      74,279
<TOTAL-LIABILITIES-AND-EQUITY>                 753,667
<INTEREST-LOAN>                                  8,068
<INTEREST-INVEST>                                3,074
<INTEREST-OTHER>                                 1,096
<INTEREST-TOTAL>                                12,238
<INTEREST-DEPOSIT>                               6,210
<INTEREST-EXPENSE>                               6,216
<INTEREST-INCOME-NET>                            6,022
<LOAN-LOSSES>                                    1,324
<SECURITIES-GAINS>                                  63
<EXPENSE-OTHER>                                  4,872
<INCOME-PRETAX>                                  1,109
<INCOME-PRE-EXTRAORDINARY>                       1,109
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       670
<EPS-PRIMARY>                                     0.14
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    3.55
<LOANS-NON>                                      4,153
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,283
<LOANS-PROBLEM>                                  4,100
<ALLOWANCE-OPEN>                                 2,807
<CHARGE-OFFS>                                      672
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                3,468
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,468
        


</TABLE>