<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 76154 <INT-BEARING-DEPOSITS> 2645 <FED-FUNDS-SOLD> 48581 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 337367 <INVESTMENTS-CARRYING> 130010 <INVESTMENTS-MARKET> 130087 <LOANS> 1739278 <ALLOWANCE> 25764 <TOTAL-ASSETS> 2429046 <DEPOSITS> 1992212 <SHORT-TERM> 131795 <LIABILITIES-OTHER> 34069 <LONG-TERM> 56131 <PREFERRED-MANDATORY> 0 <PREFERRED> 2900 <COMMON> 28226 <OTHER-SE> 183713 <TOTAL-LIABILITIES-AND-EQUITY> 2429046 <INTEREST-LOAN> 40369 <INTEREST-INVEST> 7000 <INTEREST-OTHER> 739 <INTEREST-TOTAL> 48108 <INTEREST-DEPOSIT> 18406 <INTEREST-EXPENSE> 20906 <INTEREST-INCOME-NET> 27202 <LOAN-LOSSES> 2382 <SECURITIES-GAINS> 420 <EXPENSE-OTHER> 19375 <INCOME-PRETAX> 11498 <INCOME-PRE-EXTRAORDINARY> 7961 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7961 <EPS-PRIMARY> .54 <EPS-DILUTED> .53 <YIELD-ACTUAL> 8.60 <LOANS-NON> 7256 <LOANS-PAST> 3827 <LOANS-TROUBLED> 1842 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 28075 <CHARGE-OFFS> 2497 <RECOVERIES> 283 <ALLOWANCE-CLOSE> 25764 <ALLOWANCE-DOMESTIC> 25764 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0