<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 82,106 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 348,233 <INVESTMENTS-CARRYING> 263,659 <INVESTMENTS-MARKET> 271,413 <LOANS> 843,212 <ALLOWANCE> 12,434 <TOTAL-ASSETS> 1,633,742 <DEPOSITS> 1,345,686 <SHORT-TERM> 45,000 <LIABILITIES-OTHER> 15,240 <LONG-TERM> 80,000 <PREFERRED-MANDATORY> 29,804 <PREFERRED> 0 <COMMON> 7,587 <OTHER-SE> 110,425 <TOTAL-LIABILITIES-AND-EQUITY> 1,633,742 <INTEREST-LOAN> 71,563 <INTEREST-INVEST> 45,198 <INTEREST-OTHER> 867 <INTEREST-TOTAL> 117,628 <INTEREST-DEPOSIT> 44,590 <INTEREST-EXPENSE> 54,752 <INTEREST-INCOME-NET> 62,876 <LOAN-LOSSES> 4,480 <SECURITIES-GAINS> (14) <EXPENSE-OTHER> 45,798 <INCOME-PRETAX> 24,406 <INCOME-PRE-EXTRAORDINARY> 24,406 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,562 <EPS-PRIMARY> 2.05 <EPS-DILUTED> 2.02 <YIELD-ACTUAL> 4.64 <LOANS-NON> 1,385 <LOANS-PAST> 2,788 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,128 <CHARGE-OFFS> 4,449 <RECOVERIES> 727 <ALLOWANCE-CLOSE> 12,434 <ALLOWANCE-DOMESTIC> 12,434 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,811