<ARTICLE>                                                     9
<MULTIPLIER>                                                  1,000
       
                                                           
<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                             DEC-31-1997
<PERIOD-END>                                                  SEP-30-1997
<CASH>                                                             72,106
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                    3,000
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                       285,559
<INVESTMENTS-CARRYING>                                            309,568
<INVESTMENTS-MARKET>                                              317,663
<LOANS>                                                           826,905
<ALLOWANCE>                                                         12,369
<TOTAL-ASSETS>                                                  1,594,256
<DEPOSITS>                                                      1,384,893
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                                15,099
<LONG-TERM>                                                        50,000
<PREFERRED-MANDATORY>                                              29,802
<PREFERRED>                                                             0
<COMMON>                                                            7,549
<OTHER-SE>                                                        106,913
<TOTAL-LIABILITIES-AND-EQUITY>                                  1,594,256
<INTEREST-LOAN>                                                    51,352
<INTEREST-INVEST>                                                  34,187
<INTEREST-OTHER>                                                      763
<INTEREST-TOTAL>                                                   86,302
<INTEREST-DEPOSIT>                                                 32,141
<INTEREST-EXPENSE>                                                 40,535
<INTEREST-INCOME-NET>                                              45,767
<LOAN-LOSSES>                                                       2,815
<SECURITIES-GAINS>                                                      5
<EXPENSE-OTHER>                                                    32,892
<INCOME-PRETAX>                                                    18,319
<INCOME-PRE-EXTRAORDINARY>                                         18,319
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                       11,567
<EPS-PRIMARY>                                                        1.50
<EPS-DILUTED>                                                        1.49
<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