<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          39,173
<INT-BEARING-DEPOSITS>                          23,564
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    141,944
<INVESTMENTS-CARRYING>                         286,490
<INVESTMENTS-MARKET>                           286,959
<LOANS>                                      1,043,820
<ALLOWANCE>                                     19,103
<TOTAL-ASSETS>                               1,442,190
<DEPOSITS>                                   1,140,902
<SHORT-TERM>                                     6,500
<LIABILITIES-OTHER>                             17,421
<LONG-TERM>                                    128,197
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,607
<OTHER-SE>                                     142,486
<TOTAL-LIABILITIES-AND-EQUITY>               1,442,190
<INTEREST-LOAN>                                 68,440
<INTEREST-INVEST>                               11,943
<INTEREST-OTHER>                                 1,787
<INTEREST-TOTAL>                                82,170
<INTEREST-DEPOSIT>                              27,596
<INTEREST-EXPENSE>                              33,087
<INTEREST-INCOME-NET>                           49,083
<LOAN-LOSSES>                                    2,750
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 36,210
<INCOME-PRETAX>                                 18,108
<INCOME-PRE-EXTRAORDINARY>                      18,108
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,094
<EPS-PRIMARY>                                     1.05
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    8.16
<LOANS-NON>                                     11,115
<LOANS-PAST>                                    10,042
<LOANS-TROUBLED>                                 2,696
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                19,436
<CHARGE-OFFS>                                    3,281
<RECOVERIES>                                       198
<ALLOWANCE-CLOSE>                               19,103
<ALLOWANCE-DOMESTIC>                            19,103
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,001