<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 16,239 <INT-BEARING-DEPOSITS> 3,958 <FED-FUNDS-SOLD> 300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 206,358 <INVESTMENTS-CARRYING> 254,574 <INVESTMENTS-MARKET> 256,119 <LOANS> 1,311,508 <ALLOWANCE> 10,549 <TOTAL-ASSETS> 1,815,315 <DEPOSITS> 1,043,167 <SHORT-TERM> 149,092 <LIABILITIES-OTHER> 25,824 <LONG-TERM> 470,431 <PREFERRED-MANDATORY> 0 <PREFERRED> 28,719 <COMMON> 77,117 <OTHER-SE> 20,965 <TOTAL-LIABILITIES-AND-EQUITY> 1,815,315 <INTEREST-LOAN> 98,560 <INTEREST-INVEST> 27,133 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 125,693 <INTEREST-DEPOSIT> 47,961 <INTEREST-EXPENSE> 76,754 <INTEREST-INCOME-NET> 48,939 <LOAN-LOSSES> 1,350 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 33,223 <INCOME-PRETAX> 23,286 <INCOME-PRE-EXTRAORDINARY> 14,325 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 14,325 <EPS-PRIMARY> 1.58 <EPS-DILUTED> 1.53 <YIELD-ACTUAL> 3.08 <LOANS-NON> 3,552 <LOANS-PAST> 274 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 14,100 <ALLOWANCE-OPEN> 11,042 <CHARGE-OFFS> 2,183 <RECOVERIES> 340 <ALLOWANCE-CLOSE> 10,549 <ALLOWANCE-DOMESTIC> 10,549 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0