<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          58,327
<INT-BEARING-DEPOSITS>                           4,106
<FED-FUNDS-SOLD>                                64,565
<TRADING-ASSETS>                                   449
<INVESTMENTS-HELD-FOR-SALE>                    160,475
<INVESTMENTS-CARRYING>                         155,890
<INVESTMENTS-MARKET>                           157,752
<LOANS>                                        794,183
<ALLOWANCE>                                     12,628
<TOTAL-ASSETS>                               1,326,145
<DEPOSITS>                                   1,104,501
<SHORT-TERM>                                     4,589
<LIABILITIES-OTHER>                             13,959
<LONG-TERM>                                     50,281
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,726
<OTHER-SE>                                     106,356
<TOTAL-LIABILITIES-AND-EQUITY>               1,326,145
<INTEREST-LOAN>                                 58,544
<INTEREST-INVEST>                               16,490
<INTEREST-OTHER>                                 3,372
<INTEREST-TOTAL>                                78,406
<INTEREST-DEPOSIT>                              33,869
<INTEREST-EXPENSE>                              37,991
<INTEREST-INCOME-NET>                           40,415
<LOAN-LOSSES>                                    4,013
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                 46,934
<INCOME-PRETAX>                                 17,013
<INCOME-PRE-EXTRAORDINARY>                      11,989
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,989
<EPS-PRIMARY>                                     2.10
<EPS-DILUTED>                                     2.07
<YIELD-ACTUAL>                                    4.39
<LOANS-NON>                                      5,826
<LOANS-PAST>                                     2,227
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,366
<CHARGE-OFFS>                                    4,359
<RECOVERIES>                                       580
<ALLOWANCE-CLOSE>                               12,628
<ALLOWANCE-DOMESTIC>                            12,628
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0