<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE AUDITED
CONSOLIDATED FINANCIAL STATEMENTS OF THE REGISTRANT 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-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          69,652
<INT-BEARING-DEPOSITS>                             147
<FED-FUNDS-SOLD>                                40,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    272,308
<INVESTMENTS-CARRYING>                          38,035
<INVESTMENTS-MARKET>                            38,705
<LOANS>                                        857,896
<ALLOWANCE>                                     12,284
<TOTAL-ASSETS>                               1,345,789
<DEPOSITS>                                   1,175,110
<SHORT-TERM>                                     6,016
<LIABILITIES-OTHER>                              9,678
<LONG-TERM>                                     32,051
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,345
<OTHER-SE>                                     116,589
<TOTAL-LIABILITIES-AND-EQUITY>               1,345,789
<INTEREST-LOAN>                                 77,026
<INTEREST-INVEST>                               18,972
<INTEREST-OTHER>                                 1,992
<INTEREST-TOTAL>                                97,990
<INTEREST-DEPOSIT>                              37,361
<INTEREST-EXPENSE>                              40,291
<INTEREST-INCOME-NET>                           57,699
<LOAN-LOSSES>                                      982
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                 48,537
<INCOME-PRETAX>                                 24,001
<INCOME-PRE-EXTRAORDINARY>                      15,749
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,749
<EPS-PRIMARY>                                     2.48
<EPS-DILUTED>                                     2.41
<YIELD-ACTUAL>                                    5.08
<LOANS-NON>                                      3,511
<LOANS-PAST>                                     1,076
<LOANS-TROUBLED>                                   366
<LOANS-PROBLEM>                                 12,300
<ALLOWANCE-OPEN>                                11,945
<CHARGE-OFFS>                                    1,240
<RECOVERIES>                                       597
<ALLOWANCE-CLOSE>                               12,284
<ALLOWANCE-DOMESTIC>                            12,284
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,426