<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          35,169
<INT-BEARING-DEPOSITS>                             207
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    552,440
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<ALLOWANCE>                                     12,930
<TOTAL-ASSETS>                               2,192,218
<DEPOSITS>                                   1,153,529
<SHORT-TERM>                                   193,073
<LIABILITIES-OTHER>                            653,225
<LONG-TERM>                                      4,829
<PREFERRED-MANDATORY>                                0
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<COMMON>                                        14,399
<OTHER-SE>                                     146,612
<TOTAL-LIABILITIES-AND-EQUITY>               2,192,218
<INTEREST-LOAN>                                 62,381
<INTEREST-INVEST>                               52,760
<INTEREST-OTHER>                                   451
<INTEREST-TOTAL>                               115,592
<INTEREST-DEPOSIT>                              32,074
<INTEREST-EXPENSE>                              65,335
<INTEREST-INCOME-NET>                           50,257
<LOAN-LOSSES>                                       68
<SECURITIES-GAINS>                                 301
<EXPENSE-OTHER>                                 40,287
<INCOME-PRETAX>                                 24,476
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     3.43
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<YIELD-ACTUAL>                                    7.82
<LOANS-NON>                                      6,368
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<ALLOWANCE-OPEN>                                13,329
<CHARGE-OFFS>                                    1,312
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<ALLOWANCE-DOMESTIC>                            12,930
<ALLOWANCE-FOREIGN>                                  0
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