<ARTICLE>                                                     9
<MULTIPLIER>                                                  1,000
       
                                                           
<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                             DEC-31-1997
<PERIOD-END>                                                  MAR-31-1997
<CASH>                                                             46,467
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                       243,735
<INVESTMENTS-CARRYING>                                            365,397
<INVESTMENTS-MARKET>                                              369,231
<LOANS>                                                           674,178
<ALLOWANCE>                                                         8,400
<TOTAL-ASSETS>                                                  1,395,284
<DEPOSITS>                                                      1,061,061
<SHORT-TERM>                                                       34,800
<LIABILITIES-OTHER>                                                13,381
<LONG-TERM>                                                       150,000
<PREFERRED-MANDATORY>                                              29,799
<PREFERRED>                                                             0
<COMMON>                                                            7,518
<OTHER-SE>                                                         98,726
<TOTAL-LIABILITIES-AND-EQUITY>                                  1,395,284
<INTEREST-LOAN>                                                    15,774
<INTEREST-INVEST>                                                  11,146
<INTEREST-OTHER>                                                      128
<INTEREST-TOTAL>                                                   27,048
<INTEREST-DEPOSIT>                                                  9,365
<INTEREST-EXPENSE>                                                 12,678
<INTEREST-INCOME-NET>                                              14,370
<LOAN-LOSSES>                                                         730
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                    10,179
<INCOME-PRETAX>                                                     5,787
<INCOME-PRE-EXTRAORDINARY>                                          5,787
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                        3,665
<EPS-PRIMARY>                                                        0.47
<EPS-DILUTED>                                                        0.47
<YIELD-ACTUAL>                                                          0
<LOANS-NON>                                                             0
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                        0
<CHARGE-OFFS>                                                           0
<RECOVERIES>                                                            0
<ALLOWANCE-CLOSE>                                                       0
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0