<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 115,642 <INT-BEARING-DEPOSITS> 2,937 <FED-FUNDS-SOLD> 28,118 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 976,467 <INVESTMENTS-CARRYING> 20,323 <INVESTMENTS-MARKET> 20,694 <LOANS> 2,333,352 <ALLOWANCE> 37,344 <TOTAL-ASSETS> 3,614,173 <DEPOSITS> 2,795,975 <SHORT-TERM> 438,032 <LIABILITIES-OTHER> 42,654 <LONG-TERM> 0 <COMMON> 201 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 337,311 <TOTAL-LIABILITIES-AND-EQUITY> 3,614,173 <INTEREST-LOAN> 209,003 <INTEREST-INVEST> 59,005 <INTEREST-OTHER> 2,498 <INTEREST-TOTAL> 270,506 <INTEREST-DEPOSIT> 99,973 <INTEREST-EXPENSE> 125,782 <INTEREST-INCOME-NET> 144,724 <LOAN-LOSSES> 8,765 <SECURITIES-GAINS> 991 <EXPENSE-OTHER> 113,810 <INCOME-PRETAX> 59,371 <INCOME-PRE-EXTRAORDINARY> 38,815 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 38,815 <EPS-PRIMARY> 1.94 <EPS-DILUTED> 1.92 <YIELD-ACTUAL> 4.54 <LOANS-NON> 10,796 <LOANS-PAST> 5,520 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 41,851 <ALLOWANCE-OPEN> 32,202 <CHARGE-OFFS> 11,354 <RECOVERIES> 7,731 <ALLOWANCE-CLOSE> 37,344 <ALLOWANCE-DOMESTIC> 11,616 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 25,728