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<PERIOD-TYPE>                                YEAR
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<PERIOD-START>                               JAN-01-1997
<PERIOD-END>                                 DEC-31-1997
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<FED-FUNDS-SOLD>                                  70,815
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<INVESTMENTS-HELD-FOR-SALE>                      179,173
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<INVESTMENTS-MARKET>                             177,582 
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<DEPOSITS>                                     1,241,261
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<OTHER-SE>                                       118,955
<TOTAL-LIABILITIES-AND-EQUITY>                 1,484,710
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<INTEREST-INVEST>                                 18,984
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<INTEREST-DEPOSIT>                                39,597
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<LOAN-LOSSES>                                      5,035
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<EXPENSE-OTHER>                                   51,353
<INCOME-PRETAX>                                   18,908
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