<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q FILING.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          21,209
<INT-BEARING-DEPOSITS>                           1,365
<FED-FUNDS-SOLD>                                22,037
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,007
<INVESTMENTS-CARRYING>                         592,108
<INVESTMENTS-MARKET>                           590,369
<LOANS>                                      1,436,217
<ALLOWANCE>                                      7,178
<TOTAL-ASSETS>                               2,183,062
<DEPOSITS>                                   1,890,504
<SHORT-TERM>                                    57,481
<LIABILITIES-OTHER>                             18,288
<LONG-TERM>                                     17,700
<PREFERRED-MANDATORY>                           18,347
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     180,742
<TOTAL-LIABILITIES-AND-EQUITY>               2,183,062  
<INTEREST-LOAN>                                 26,762
<INTEREST-INVEST>                               12,191
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                38,953
<INTEREST-DEPOSIT>                              21,490
<INTEREST-EXPENSE>                              23,701
<INTEREST-INCOME-NET>                           15,252
<LOAN-LOSSES>                                      252
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,322
<INCOME-PRETAX>                                  6,394
<INCOME-PRE-EXTRAORDINARY>                       6,394
<EXTRAORDINARY>                                    320
<CHANGES>                                            0
<NET-INCOME>                                     6,074
<EPS-PRIMARY>                                     0.87
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      3,053
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,752
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,051
<CHARGE-OFFS>                                       90
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                7,178
<ALLOWANCE-DOMESTIC>                             7,178
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0