<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>