<ARTICLE>                     9
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                              62,111
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<FED-FUNDS-SOLD>                                         0
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<INVESTMENTS-HELD-FOR-SALE>                        230,536
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<INVESTMENTS-MARKET>                                29,643
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<ALLOWANCE>                                         12,039   
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<DEPOSITS>                                       1,257,005 
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<LIABILITIES-OTHER>                                 53,707   
<LONG-TERM>                                         26,476   
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0       
<COMMON>                                            11,355 
<OTHER-SE>                                          93,984   
<TOTAL-LIABILITIES-AND-EQUITY>                   1,613,906 
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<INTEREST-INVEST>                                    3,260    
<INTEREST-OTHER>                                       214     
<INTEREST-TOTAL>                                    30,392   
<INTEREST-DEPOSIT>                                  12,701   
<INTEREST-EXPENSE>                                  14,940   
<INTEREST-INCOME-NET>                               15,452   
<LOAN-LOSSES>                                        2,952    
<SECURITIES-GAINS>                                      84      
<EXPENSE-OTHER>                                     12,866   
<INCOME-PRETAX>                                      2,726    
<INCOME-PRE-EXTRAORDINARY>                           2,726    
<EXTRAORDINARY>                                          0        
<CHANGES>                                                0       
<NET-INCOME>                                         1,717    
<EPS-PRIMARY>                                          .15     
<EPS-DILUTED>                                          .15     
<YIELD-ACTUAL>                                        9.42
<LOANS-NON>                                            840
<LOANS-PAST>                                         2,361
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    11,290
<CHARGE-OFFS>                                        3,109
<RECOVERIES>                                           906
<ALLOWANCE-CLOSE>                                   12,039
<ALLOWANCE-DOMESTIC>                                12,039
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0