<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          134980
<INT-BEARING-DEPOSITS>                            3881
<FED-FUNDS-SOLD>                                   154
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     699990
<INVESTMENTS-CARRYING>                           19621
<INVESTMENTS-MARKET>                             19758
<LOANS>                                        2058677
<ALLOWANCE>                                      33747
<TOTAL-ASSETS>                                 3011748
<DEPOSITS>                                     2269264
<SHORT-TERM>                                    451018
<LIABILITIES-OTHER>                              33377
<LONG-TERM>                                          0
<COMMON>                                           167
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      257922
<TOTAL-LIABILITIES-AND-EQUITY>                 3011748
<INTEREST-LOAN>                                  45525
<INTEREST-INVEST>                                11989
<INTEREST-OTHER>                                   385
<INTEREST-TOTAL>                                 57899
<INTEREST-DEPOSIT>                               20321
<INTEREST-EXPENSE>                               26608
<INTEREST-INCOME-NET>                            31291
<LOAN-LOSSES>                                     2078
<SECURITIES-GAINS>                                 365
<EXPENSE-OTHER>                                  23769
<INCOME-PRETAX>                                  13905
<INCOME-PRE-EXTRAORDINARY>                        8726
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      8726
<EPS-PRIMARY>                                      .52
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    4.57
<LOANS-NON>                                      12830
<LOANS-PAST>                                      3720
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  27331
<ALLOWANCE-OPEN>                                 30148
<CHARGE-OFFS>                                     3066
<RECOVERIES>                                      4587
<ALLOWANCE-CLOSE>                                33747
<ALLOWANCE-DOMESTIC>                              9280
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          24467