<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 65,329 <INT-BEARING-DEPOSITS> 299 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 565,532 <INVESTMENTS-CARRYING> 565,532 <INVESTMENTS-MARKET> 565,532 <LOANS> 980,950 <ALLOWANCE> 13,110 <TOTAL-ASSETS> 1,660,196 <DEPOSITS> 1,192,174 <SHORT-TERM> 238,174 <LIABILITIES-OTHER> 15,004 <LONG-TERM> 52,403 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 835 <OTHER-SE> 161,606 <TOTAL-LIABILITIES-AND-EQUITY> 1,660,196 <INTEREST-LOAN> 61,764 <INTEREST-INVEST> 29,672 <INTEREST-OTHER> 100 <INTEREST-TOTAL> 91,536 <INTEREST-DEPOSIT> 34,551 <INTEREST-EXPENSE> 46,354 <INTEREST-INCOME-NET> 45,182 <LOAN-LOSSES> 3,988 <SECURITIES-GAINS> 402 <EXPENSE-OTHER> 29,261 <INCOME-PRETAX> 18,408 <INCOME-PRE-EXTRAORDINARY> 13,424 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,424 <EPS-PRIMARY> 2.01 <EPS-DILUTED> 2.01 <YIELD-ACTUAL> 4.32 <LOANS-NON> 3,181 <LOANS-PAST> 5,607 <LOANS-TROUBLED> 377 <LOANS-PROBLEM> 674 <ALLOWANCE-OPEN> 10,756 <CHARGE-OFFS> 2489 <RECOVERIES> 855 <ALLOWANCE-CLOSE> 13,110 <ALLOWANCE-DOMESTIC> 13,110 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0