<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 18,831 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 646,484 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,577,159 <ALLOWANCE> 16,994 <TOTAL-ASSETS> 2,304,678 <DEPOSITS> 1,577,248 <SHORT-TERM> 416,764 <LIABILITIES-OTHER> 20,737 <LONG-TERM> 161,750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 59,551 <OTHER-SE> 68,628 <TOTAL-LIABILITIES-AND-EQUITY> 2,304,678 <INTEREST-LOAN> 91,472 <INTEREST-INVEST> 32,709 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 124,181 <INTEREST-DEPOSIT> 59,343 <INTEREST-EXPENSE> 84,833 <INTEREST-INCOME-NET> 39,348 <LOAN-LOSSES> 5,000 <SECURITIES-GAINS> 1,971 <EXPENSE-OTHER> 23,414 <INCOME-PRETAX> 17,815 <INCOME-PRE-EXTRAORDINARY> 11,632 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,632 <EPS-PRIMARY> 1.96 <EPS-DILUTED> 1.96 <YIELD-ACTUAL> 7.62 <LOANS-NON> 14,342 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 13,488 <CHARGE-OFFS> 6,039 <RECOVERIES> 1,939 <ALLOWANCE-CLOSE> 16,994 <ALLOWANCE-DOMESTIC> 16,994 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0