WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          38,056
<INT-BEARING-DEPOSITS>                             163
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    580,115
<INVESTMENTS-CARRYING>                         532,341
<INVESTMENTS-MARKET>                           541,093
<LOANS>                                        989,575
<ALLOWANCE>                                     12,113
<TOTAL-ASSETS>                               2,239,110
<DEPOSITS>                                   1,139,527
<SHORT-TERM>                                   150,721
<LIABILITIES-OTHER>                            786,321
<LONG-TERM>                                      4,361
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,402
<OTHER-SE>                                     143,778
<TOTAL-LIABILITIES-AND-EQUITY>                 158,180
<INTEREST-LOAN>                                 83,505
<INTEREST-INVEST>                               70,736
<INTEREST-OTHER>                                   547
<INTEREST-TOTAL>                               154,788
<INTEREST-DEPOSIT>                              42,572
<INTEREST-EXPENSE>                              87,929
<INTEREST-INCOME-NET>                           66,859
<LOAN-LOSSES>                                      158
<SECURITIES-GAINS>                                 792
<EXPENSE-OTHER>                                 54,104
<INCOME-PRETAX>                                 32,800
<INCOME-PRE-EXTRAORDINARY>                      32,800
<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     4.69
<EPS-DILUTED>                                     4.61
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                      6,450
<LOANS-PAST>                                     1,601
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,329
<CHARGE-OFFS>                                    2,497
<RECOVERIES>                                     1,123
<ALLOWANCE-CLOSE>                               12,113
<ALLOWANCE-DOMESTIC>                            12,113
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,980