<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 69,011 <INT-BEARING-DEPOSITS> 1,099 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 593,698 <INVESTMENTS-CARRYING> 593,698 <INVESTMENTS-MARKET> 593,698 <LOANS> 924,234 <ALLOWANCE> 11,709 <TOTAL-ASSETS> 1,635,420 <DEPOSITS> 1,182,761 <SHORT-TERM> 214,519 <LIABILITIES-OTHER> 13,008 <LONG-TERM> 74,271 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 835 <OTHER-SE> 150,026 <TOTAL-LIABILITIES-AND-EQUITY> 1,635,420 <INTEREST-LOAN> 19,940 <INTEREST-INVEST> 9,890 <INTEREST-OTHER> 20 <INTEREST-TOTAL> 29,850 <INTEREST-DEPOSIT> 11,304 <INTEREST-EXPENSE> 15,185 <INTEREST-INCOME-NET> 14,665 <LOAN-LOSSES> 1,401 <SECURITIES-GAINS> 231 <EXPENSE-OTHER> 9,611 <INCOME-PRETAX> 6,012 <INCOME-PRE-EXTRAORDINARY> 6,012 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,431 <EPS-PRIMARY> .66 <EPS-DILUTED> .66 <YIELD-ACTUAL> 4.16 <LOANS-NON> 3,735 <LOANS-PAST> 5,516 <LOANS-TROUBLED> 44 <LOANS-PROBLEM> 1,200 <ALLOWANCE-OPEN> 10,756 <CHARGE-OFFS> 743 <RECOVERIES> 300 <ALLOWANCE-CLOSE> 11,709 <ALLOWANCE-DOMESTIC> 11,709 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0