<ARTICLE> 9
<LEGEND>
"This schedule contains summary financial information extracted from
 SEC Form 10-Q and is qualified in its entirely by reference to such
 financial statements."
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1998
<CASH>                                           51910
<INT-BEARING-DEPOSITS>                             105
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     580120
<INVESTMENTS-CARRYING>                           36070
<INVESTMENTS-MARKET>                             36968
<LOANS>                                        1269079
<ALLOWANCE>                                      21734
<TOTAL-ASSETS>                                 2002124
<DEPOSITS>                                     1319574
<SHORT-TERM>                                    233377
<LIABILITIES-OTHER>                              53502
<LONG-TERM>                                     144348
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         37142
<OTHER-SE>                                      214181
<TOTAL-LIABILITIES-AND-EQUITY>                 2002124
<INTEREST-LOAN>                                  28061
<INTEREST-INVEST>                                 9111
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 37172
<INTEREST-DEPOSIT>                               12153
<INTEREST-EXPENSE>                                4679
<INTEREST-INCOME-NET>                            20340
<LOAN-LOSSES>                                     2050
<SECURITIES-GAINS>                                2317
<EXPENSE-OTHER>                                  10586
<INCOME-PRETAX>                                  13150
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      9241
<EPS-PRIMARY>                                      .66
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    4.70
<LOANS-NON>                                       3221
<LOANS-PAST>                                      3221
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 20427
<CHARGE-OFFS>                                     1166
<RECOVERIES>                                       423
<ALLOWANCE-CLOSE>                                21734
<ALLOWANCE-DOMESTIC>                             21734
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0