<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>                                        39,721
<INT-BEARING-DEPOSITS>                        57,197
<FED-FUNDS-SOLD>                              50,000
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                  187,069
<INVESTMENTS-CARRYING>                       273,742
<INVESTMENTS-MARKET>                         276,114
<LOANS>                                    2,722,602
<ALLOWANCE>                                   15,475
<TOTAL-ASSETS>                             3,457,664
<DEPOSITS>                                 2,337,013
<SHORT-TERM>                                  95,000
<LIABILITIES-OTHER>                          675,013
<LONG-TERM>                                   26,779
<COMMON>                                         169
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<OTHER-SE>                                   263,411
<TOTAL-LIABILITIES-AND-EQUITY>             3,457,664
<INTEREST-LOAN>                              198,805
<INTEREST-INVEST>                             32,462
<INTEREST-OTHER>                               7,648
<INTEREST-TOTAL>                             238,915
<INTEREST-DEPOSIT>                            98,581
<INTEREST-EXPENSE>                           145,216
<INTEREST-INCOME-NET>                         93,699
<LOAN-LOSSES>                                  1,150
<SECURITIES-GAINS>                               404
<EXPENSE-OTHER>                               54,581
<INCOME-PRETAX>                               60,655
<INCOME-PRE-EXTRAORDINARY>                    37,948
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                  37,948
<EPS-PRIMARY>                                   2.46
<EPS-DILUTED>                                   2.38
<YIELD-ACTUAL>                                  2.98
<LOANS-NON>                                    8,640
<LOANS-PAST>                                   2,195
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                              17,914
<CHARGE-OFFS>                                  3,712
<RECOVERIES>                                     123
<ALLOWANCE-CLOSE>                             15,475
<ALLOWANCE-DOMESTIC>                               0
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                       15,475