<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             APR-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                         106,061
<INT-BEARING-DEPOSITS>                             867
<FED-FUNDS-SOLD>                                 6,567
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,416,238
<INVESTMENTS-CARRYING>                          10,791
<INVESTMENTS-MARKET>                            10,831
<LOANS>                                      1,655,188
<ALLOWANCE>                                     17,309
<TOTAL-ASSETS>                               3,301,338
<DEPOSITS>                                   2,123,842
<SHORT-TERM>                                   747,299
<LIABILITIES-OTHER>                             41,861
<LONG-TERM>                                    139,145
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,603
<OTHER-SE>                                     243,588
<TOTAL-LIABILITIES-AND-EQUITY>               3,301,338
<INTEREST-LOAN>                                 35,476
<INTEREST-INVEST>                               20,854
<INTEREST-OTHER>                                   864
<INTEREST-TOTAL>                                57,194
<INTEREST-DEPOSIT>                              21,435
<INTEREST-EXPENSE>                              32,370
<INTEREST-INCOME-NET>                           24,824
<LOAN-LOSSES>                                    1,623
<SECURITIES-GAINS>                                 154
<EXPENSE-OTHER>                                 29,171
<INCOME-PRETAX>                                  3,795
<INCOME-PRE-EXTRAORDINARY>                       3,127
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,127
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .20
<YIELD-ACTUAL>                                    3.65
<LOANS-NON>                                     15,351
<LOANS-PAST>                                     5,924
<LOANS-TROUBLED>                                   413
<LOANS-PROBLEM>                                 26,038
<ALLOWANCE-OPEN>                                17,451<F1>
<CHARGE-OFFS>                                    2,056
<RECOVERIES>                                       291
<ALLOWANCE-CLOSE>                               17,309
<ALLOWANCE-DOMESTIC>                            12,309
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,000
<FN>
<F1>The allowance for loan loss-beginning of period has been restated to include
FNB Monroe, Inc., which was acquired on April 18, 1997.
</FN>