<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