<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 17,929 <INT-BEARING-DEPOSITS> 27,375 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 860,405 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,511,805 <ALLOWANCE> 0 <TOTAL-ASSETS> 2,488,854 <DEPOSITS> 1,777,816 <SHORT-TERM> 0 <LIABILITIES-OTHER> 439,781 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 191 <OTHER-SE> 271,066 <TOTAL-LIABILITIES-AND-EQUITY> 2,488,854 <INTEREST-LOAN> 27,885 <INTEREST-INVEST> 14,994 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 42,879 <INTEREST-DEPOSIT> 20,003 <INTEREST-EXPENSE> 26,151 <INTEREST-INCOME-NET> 16,728 <LOAN-LOSSES> 475 <SECURITIES-GAINS> (146) <EXPENSE-OTHER> 11,059 <INCOME-PRETAX> 6,285 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,084 <EPS-PRIMARY> 0.26 <EPS-DILUTED> 0.26 <YIELD-ACTUAL> 7.25 <LOANS-NON> 5,282 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,988 <CHARGE-OFFS> 62 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 7,401 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7,401