<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1997 <CASH> 55,520 <INT-BEARING-DEPOSITS> 198 <FED-FUNDS-SOLD> 48,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 318,794 <INVESTMENTS-CARRYING> 233,739 <INVESTMENTS-MARKET> 236,022 <LOANS> 1,042,466 <ALLOWANCE> 15,522 <TOTAL-ASSETS> 1,762,411 <DEPOSITS> 1,392,066 <SHORT-TERM> 105,062 <LIABILITIES-OTHER> 18,158 <LONG-TERM> 547 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,484 <OTHER-SE> 213,094 <TOTAL-LIABILITIES-AND-EQUITY> 1,762,411 <INTEREST-LOAN> 67,411 <INTEREST-INVEST> 23,249 <INTEREST-OTHER> 1,648 <INTEREST-TOTAL> 92,308 <INTEREST-DEPOSIT> 37,728 <INTEREST-EXPENSE> 40,972 <INTEREST-INCOME-NET> 51,336 <LOAN-LOSSES> 2,864 <SECURITIES-GAINS> 162 <EXPENSE-OTHER> 35,632 <INCOME-PRETAX> 23,251 <INCOME-PRE-EXTRAORDINARY> 23,251 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 17,091 <EPS-PRIMARY> 1.08 <EPS-DILUTED> 1.08 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0