<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 286,307 <INT-BEARING-DEPOSITS> 6,465 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 406,212 <INVESTMENTS-CARRYING> 406,212 <INVESTMENTS-MARKET> 406,212 <LOANS> 2,759,027 <ALLOWANCE> 39,877 <TOTAL-ASSETS> 4,180,143 <DEPOSITS> 3,540,255 <SHORT-TERM> 177,450 <LIABILITIES-OTHER> 54,477 <LONG-TERM> 47,539 <PREFERRED-MANDATORY> 55,990 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 304,432 <TOTAL-LIABILITIES-AND-EQUITY> 4,180,143 <INTEREST-LOAN> 244,880 <INTEREST-INVEST> 35,836 <INTEREST-OTHER> 26,378 <INTEREST-TOTAL> 307,094 <INTEREST-DEPOSIT> 139,290 <INTEREST-EXPENSE> 144,055 <INTEREST-INCOME-NET> 163,039 <LOAN-LOSSES> 9,008 <SECURITIES-GAINS> 1,251 <EXPENSE-OTHER> 131,988 <INCOME-PRETAX> 65,710 <INCOME-PRE-EXTRAORDINARY> 65,710 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 45,350 <EPS-PRIMARY> 2.04 <EPS-DILUTED> 2.03 <YIELD-ACTUAL> 4.64 <LOANS-NON> 4,008 <LOANS-PAST> 7,465 <LOANS-TROUBLED> 659 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 37,272 <CHARGE-OFFS> 8,827 <RECOVERIES> 1,828 <ALLOWANCE-CLOSE> 39,877 <ALLOWANCE-DOMESTIC> 39,877 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0