<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 50,297 <INT-BEARING-DEPOSITS> 7,117 <FED-FUNDS-SOLD> 10,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 576,108 <INVESTMENTS-CARRYING> 193,007 <INVESTMENTS-MARKET> 193,396 <LOANS> 828,761 <ALLOWANCE> 22,724 <TOTAL-ASSETS> 1,733,618 <DEPOSITS> 1,267,298 <SHORT-TERM> 297,420 <LIABILITIES-OTHER> 40,936 <LONG-TERM> 2,492 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 71 <OTHER-SE> 125,401 <TOTAL-LIABILITIES-AND-EQUITY> 1,733,618 <INTEREST-LOAN> 68,186 <INTEREST-INVEST> 49,955 <INTEREST-OTHER> 1,073 <INTEREST-TOTAL> 119,214 <INTEREST-DEPOSIT> 41,720 <INTEREST-EXPENSE> 59,125 <INTEREST-INCOME-NET> 60,089 <LOAN-LOSSES> 1,895 <SECURITIES-GAINS> (126) <EXPENSE-OTHER> 55,223 <INCOME-PRETAX> 18,813 <INCOME-PRE-EXTRAORDINARY> 11,418 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,418 <EPS-PRIMARY> 1.74 <EPS-DILUTED> 1.65 <YIELD-ACTUAL> 7.57 <LOANS-NON> 5,352 <LOANS-PAST> 431 <LOANS-TROUBLED> 1,124 <LOANS-PROBLEM> 24,082 <ALLOWANCE-OPEN> 19,549 <CHARGE-OFFS> 2,212 <RECOVERIES> 3,492 <ALLOWANCE-CLOSE> 22,742 <ALLOWANCE-DOMESTIC> 22,742 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0