<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          87,869
<INT-BEARING-DEPOSITS>                           2,653
<FED-FUNDS-SOLD>                                 8,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    432,327
<INVESTMENTS-CARRYING>                         122,938
<INVESTMENTS-MARKET>                           123,164
<LOANS>                                      1,885,482
<ALLOWANCE>                                     27,268
<TOTAL-ASSETS>                               2,649,494
<DEPOSITS>                                   2,192,713
<SHORT-TERM>                                   122,104
<LIABILITIES-OTHER>                             36,795
<LONG-TERM>                                     67,246
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,875
<COMMON>                                        29,497
<OTHER-SE>                                     198,264
<TOTAL-LIABILITIES-AND-EQUITY>               2,649,494
<INTEREST-LOAN>                                163,802
<INTEREST-INVEST>                               28,471
<INTEREST-OTHER>                                 3,235
<INTEREST-TOTAL>                               195,508
<INTEREST-DEPOSIT>                              74,684
<INTEREST-EXPENSE>                              84,478
<INTEREST-INCOME-NET>                          111,030
<LOAN-LOSSES>                                   10,585
<SECURITIES-GAINS>                               1,246
<EXPENSE-OTHER>                                 88,208
<INCOME-PRETAX>                                 35,350
<INCOME-PRE-EXTRAORDINARY>                      24,314
<EXTRAORDINARY>                                  8,809
<CHANGES>                                            0
<NET-INCOME>                                    33,123
<EPS-PRIMARY>                                     2.30
<EPS-DILUTED>                                     2.18
<YIELD-ACTUAL>                                    8.55
<LOANS-NON>                                      8,040
<LOANS-PAST>                                     3,218
<LOANS-TROUBLED>                                 1,314
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                27,800
<CHARGE-OFFS>                                    9,665
<RECOVERIES>                                     1,209
<ALLOWANCE-CLOSE>                               27,268
<ALLOWANCE-DOMESTIC>                            27,268
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0