<ARTICLE> 9
<LEGEND>
This Schedule contains Summary Financial Information extracted from registrants
Audited Financial Statements for the Year Ended December 31, 1997, and is
qualified in its entirety by reference to such Financial Statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          47,207
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                40,028
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    162,912
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        780,362
<ALLOWANCE>                                      7,673
<TOTAL-ASSETS>                               1,266,143
<DEPOSITS>                                     938,498
<SHORT-TERM>                                   130,191
<LIABILITIES-OTHER>                             22,799
<LONG-TERM>                                     68,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,067
<OTHER-SE>                                      90,188
<TOTAL-LIABILITIES-AND-EQUITY>               1,266,143
<INTEREST-LOAN>                                 85,844
<INTEREST-INVEST>                               10,882
<INTEREST-OTHER>                                    70
<INTEREST-TOTAL>                                96,796
<INTEREST-DEPOSIT>                              33,117
<INTEREST-EXPENSE>                              44,691
<INTEREST-INCOME-NET>                           52,105
<LOAN-LOSSES>                                    1,662
<SECURITIES-GAINS>                                  26
<EXPENSE-OTHER>                                 57,670
<INCOME-PRETAX>                                 19,489
<INCOME-PRE-EXTRAORDINARY>                      12,464
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,464
<EPS-PRIMARY>                                     2.03
<EPS-DILUTED>                                     2.02
<YIELD-ACTUAL>                                    4.74
<LOANS-NON>                                      3,758
<LOANS-PAST>                                     1,858
<LOANS-TROUBLED>                                   331
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,281
<CHARGE-OFFS>                                    1,899
<RECOVERIES>                                       419
<ALLOWANCE-CLOSE>                                7,673
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0