<ARTICLE> 9
       
                                                  
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<PERIOD-TYPE>                                3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             OCT-01-1997             JAN-01-1997
<PERIOD-END>                               DEC-31-1997             DEC-31-1997
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<INVESTMENTS-MARKET>                           174,000                       0
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<ALLOWANCE>                                      8,641                       0
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<INTEREST-OTHER>                                    76                     238
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<INTEREST-DEPOSIT>                               7,686                  28,533
<INTEREST-EXPENSE>                              12,098                  46,012
<INTEREST-INCOME-NET>                            9,130                  35,499
<LOAN-LOSSES>                                      300                   1,000
<SECURITIES-GAINS>                                 153                     250
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<EPS-DILUTED>                                      .45                    1.78
<YIELD-ACTUAL>                                    3.31                    3.35
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