<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