<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997 
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          28,704
<INT-BEARING-DEPOSITS>                          55,277
<FED-FUNDS-SOLD>                                49,625
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    163,507
<INVESTMENTS-CARRYING>                         316,434
<INVESTMENTS-MARKET>                           314,923
<LOANS>                                      2,494,954
<ALLOWANCE>                                     18,010
<TOTAL-ASSETS>                               3,236,449
<DEPOSITS>                                   2,291,065
<SHORT-TERM>                                    50,000
<LIABILITIES-OTHER>                            551,114
<LONG-TERM>                                     26,726
<COMMON>                                           169
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     254,941
<TOTAL-LIABILITIES-AND-EQUITY>               3,236,449
<INTEREST-LOAN>                                 47,524
<INTEREST-INVEST>                                2,792
<INTEREST-OTHER>                                 7,651
<INTEREST-TOTAL>                                57,967
<INTEREST-DEPOSIT>                              23,789
<INTEREST-EXPENSE>                              34,415
<INTEREST-INCOME-NET>                           23,552
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  78
<EXPENSE-OTHER>                                 12,955
<INCOME-PRETAX>                                 15,238
<INCOME-PRE-EXTRAORDINARY>                       9,286
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,286
<EPS-PRIMARY>                                      .57
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    3.08
<LOANS-NON>                                     13,377
<LOANS-PAST>                                     1,686   
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                17,914
<CHARGE-OFFS>                                      206
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                               18,010
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         18,010