<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</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>                                           5,787
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    629,784
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        698,859
<ALLOWANCE>                                      6,187
<TOTAL-ASSETS>                               1,387,836
<DEPOSITS>                                     945,661
<SHORT-TERM>                                   175,812
<LIABILITIES-OTHER>                             19,566
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                     247,206
<TOTAL-LIABILITIES-AND-EQUITY>               1,387,836
<INTEREST-LOAN>                                 13,594
<INTEREST-INVEST>                                8,951
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                22,545
<INTEREST-DEPOSIT>                              10,295
<INTEREST-EXPENSE>                              12,033
<INTEREST-INCOME-NET>                           10,512
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,460
<INCOME-PRETAX>                                  5,413
<INCOME-PRE-EXTRAORDINARY>                       5,413
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,389
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    7.02
<LOANS-NON>                                      7,567
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,021
<CHARGE-OFFS>                                        0<F1>
<RECOVERIES>                                         0<F1>
<ALLOWANCE-CLOSE>                                6,187
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>Information not disclosed in 10-Q.
</FN>