<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at September 30, 1997 and
the Consolidated Statement of Operations for the 9 months Ended September
30, 1997.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          34,993
<INT-BEARING-DEPOSITS>                       1,229,298
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    419,124
<INVESTMENTS-CARRYING>                         261,096
<INVESTMENTS-MARKET>                           260,423
<LOANS>                                      1,066,275
<ALLOWANCE>                                     11,954
<TOTAL-ASSETS>                               1,833,284
<DEPOSITS>                                   1,310,471
<SHORT-TERM>                                   303,821
<LIABILITIES-OTHER>                             22,203
<LONG-TERM>                                     86,844
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     109,845
<TOTAL-LIABILITIES-AND-EQUITY>               1,833,284
<INTEREST-LOAN>                                 57,302
<INTEREST-INVEST>                               35,686
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                92,988
<INTEREST-DEPOSIT>                              37,124
<INTEREST-EXPENSE>                              53,951
<INTEREST-INCOME-NET>                           39,037
<LOAN-LOSSES>                                    2,150
<SECURITIES-GAINS>                                (23)
<EXPENSE-OTHER>                                 32,621
<INCOME-PRETAX>                                 12,631
<INCOME-PRE-EXTRAORDINARY>                      12,631
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,056
<EPS-PRIMARY>                                     0.89
<EPS-DILUTED>                                     0.88
<YIELD-ACTUAL>                                    3.16
<LOANS-NON>                                     10,366
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,213
<LOANS-PROBLEM>                                 22,850
<ALLOWANCE-OPEN>                                10,704
<CHARGE-OFFS>                                    1,466
<RECOVERIES>                                       566
<ALLOWANCE-CLOSE>                               11,954
<ALLOWANCE-DOMESTIC>                            11,954
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0