<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                          39,733                  46,096
<INT-BEARING-DEPOSITS>                             187                   5,556
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    554,205                 438,032
<INVESTMENTS-CARRYING>                         497,288                 579,576
<INVESTMENTS-MARKET>                           505,938                 575,071
<LOANS>                                      1,023,775                 949,099
<ALLOWANCE>                                     11,880                  13,206
<TOTAL-ASSETS>                               2,207,797               2,121,325
<DEPOSITS>                                   1,167,852               1,154,305
<SHORT-TERM>                                   154,783                 154,809
<LIABILITIES-OTHER>                            725,419                 655,772
<LONG-TERM>                                      4,008                   5,790
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        14,437                  14,395
<OTHER-SE>                                     141,298                 136,254
<TOTAL-LIABILITIES-AND-EQUITY>               2,207,797               2,121,325
<INTEREST-LOAN>                                 21,280                  20,238
<INTEREST-INVEST>                               18,321                  17,075
<INTEREST-OTHER>                                    91                     125
<INTEREST-TOTAL>                                39,692                  37,438
<INTEREST-DEPOSIT>                              10,197                  10,326
<INTEREST-EXPENSE>                              22,831                  20,933
<INTEREST-INCOME-NET>                           16,861                  16,505
<LOAN-LOSSES>                                      150                      23
<SECURITIES-GAINS>                                 219                     102
<EXPENSE-OTHER>                                 14,252                  13,206
<INCOME-PRETAX>                                  7,827                   7,899
<INCOME-PRE-EXTRAORDINARY>                       7,827                   7,899
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     5,695                   5,668
<EPS-PRIMARY>                                     1.17                    1.12
<EPS-DILUTED>                                     1.15                    1.10
<YIELD-ACTUAL>                                    7.66                    7.80
<LOANS-NON>                                      5,521                   6,846
<LOANS-PAST>                                       165                   3,040
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                12,113                  13,329
<CHARGE-OFFS>                                      519                     300
<RECOVERIES>                                       136                     154
<ALLOWANCE-CLOSE>                               11,880                  13,206
<ALLOWANCE-DOMESTIC>                            11,880                  13,206
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          5,723                   6,398