<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 79,542 <INT-BEARING-DEPOSITS> 2,243 <FED-FUNDS-SOLD> 22,040 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 302,571 <INVESTMENTS-CARRYING> 150,047 <INVESTMENTS-MARKET> 148,601 <LOANS> 1,643,444 <ALLOWANCE> 27,037 <TOTAL-ASSETS> 2,267,870 <DEPOSITS> 1,891,321 <SHORT-TERM> 115,989 <LIABILITIES-OTHER> 28,824 <LONG-TERM> 45,735 <PREFERRED-MANDATORY> 0 <PREFERRED> 3,233 <COMMON> 24,350 <OTHER-SE> 158,418 <TOTAL-LIABILITIES-AND-EQUITY> 2,267,870 <INTEREST-LOAN> 37,530 <INTEREST-INVEST> 6,513 <INTEREST-OTHER> 577 <INTEREST-TOTAL> 44,620 <INTEREST-DEPOSIT> 16,648 <INTEREST-EXPENSE> 18,820 <INTEREST-INCOME-NET> 25,800 <LOAN-LOSSES> 1,987 <SECURITIES-GAINS> 493 <EXPENSE-OTHER> 19,499 <INCOME-PRETAX> 9,824 <INCOME-PRE-EXTRAORDINARY> 9,824 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,653 <EPS-PRIMARY> .50 <EPS-DILUTED> .49 <YIELD-ACTUAL> 8.59 <LOANS-NON> 7,591 <LOANS-PAST> 2,796 <LOANS-TROUBLED> 2,071 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 26,382 <CHARGE-OFFS> 1,563 <RECOVERIES> 231 <ALLOWANCE-CLOSE> 27,037 <ALLOWANCE-DOMESTIC> 27,037 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0