<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 475 <INT-BEARING-DEPOSITS> 67,925 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 118,299 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,003,725 <ALLOWANCE> 12,132 <TOTAL-ASSETS> 1,335,706 <DEPOSITS> 1,099,554 <SHORT-TERM> 2,947 <LIABILITIES-OTHER> 32,221 <LONG-TERM> 66,166 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 300 <OTHER-SE> 134,518 <TOTAL-LIABILITIES-AND-EQUITY> 1,335,706 <INTEREST-LOAN> 52,216 <INTEREST-INVEST> 2,730 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 54,946 <INTEREST-DEPOSIT> 14,685 <INTEREST-EXPENSE> 17,556 <INTEREST-INCOME-NET> 37,390 <LOAN-LOSSES> 933 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,602 <INCOME-PRETAX> 34,506 <INCOME-PRE-EXTRAORDINARY> 34,506 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 33,303 <EPS-PRIMARY> 111.01 <EPS-DILUTED> 111.01 <YIELD-ACTUAL> 12.44 <LOANS-NON> 93,763 <LOANS-PAST> 75,294 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 13,189 <CHARGE-OFFS> 2,050 <RECOVERIES> 95 <ALLOWANCE-CLOSE> 12,132 <ALLOWANCE-DOMESTIC> 12,132 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0