<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 34,670 <INT-BEARING-DEPOSITS> 484 <FED-FUNDS-SOLD> 9,050 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 266,595 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 838,658 <ALLOWANCE> 8,429 <TOTAL-ASSETS> 1,181,359 <DEPOSITS> 976,972 <SHORT-TERM> 0 <LIABILITIES-OTHER> 62,593 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,483 <OTHER-SE> 140,311 <TOTAL-LIABILITIES-AND-EQUITY> 1,181,359 <INTEREST-LOAN> 71,195 <INTEREST-INVEST> 16,273 <INTEREST-OTHER> 690 <INTEREST-TOTAL> 88,158 <INTEREST-DEPOSIT> 37,370 <INTEREST-EXPENSE> 41,393 <INTEREST-INCOME-NET> 46,766 <LOAN-LOSSES> 1,735 <SECURITIES-GAINS> (5) <EXPENSE-OTHER> 30,016 <INCOME-PRETAX> 25,134 <INCOME-PRE-EXTRAORDINARY> 16,430 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 16,430 <EPS-BASIC> 1.39 <EPS-DILUTED> 1.38 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,010 <CHARGE-OFFS> 1949 <RECOVERIES> 633 <ALLOWANCE-CLOSE> 8,429 <ALLOWANCE-DOMESTIC> 8,429 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0