<ARTICLE>                                            9
       
                                                      
<PERIOD-TYPE>                   12-MOS                      3-MOS
<FISCAL-YEAR-END>               DEC-31-1997                 DEC-31-1997
<PERIOD-END>                    DEC-31-1997                 DEC-31-1997
<CASH>                               50,398                      50,398
<INT-BEARING-DEPOSITS>               23,027                      23,027
<FED-FUNDS-SOLD>                      1,549                       1,549
<TRADING-ASSETS>                          0                           0
<INVESTMENTS-HELD-FOR-SALE>         411,920                     411,920
<INVESTMENTS-CARRYING>               94,793                      94,793
<INVESTMENTS-MARKET>                 95,946                      95,946
<LOANS>                             956,395                     956,395
<ALLOWANCE>                          13,800                      13,800
<TOTAL-ASSETS>                    1,605,012                   1,605,012
<DEPOSITS>                        1,191,926                   1,191,926
<SHORT-TERM>                        255,006                     255,006
<LIABILITIES-OTHER>                  19,036                      19,036
<LONG-TERM>                          19,951                      19,951
<PREFERRED-MANDATORY>                     0                           0
<PREFERRED>                               0                           0
<COMMON>                             75,562                      75,562
<OTHER-SE>                           43,531                      43,531
<TOTAL-LIABILITIES-AND-EQUITY>    1,605,012                   1,605,012
<INTEREST-LOAN>                      82,153                      22,086
<INTEREST-INVEST>                    22,200                       6,072
<INTEREST-OTHER>                      2,195                         883
<INTEREST-TOTAL>                    106,548                      29,041
<INTEREST-DEPOSIT>                   44,814                      11,915
<INTEREST-EXPENSE>                   52,962                      14,411
<INTEREST-INCOME-NET>                53,586                      14,630
<LOAN-LOSSES>                         3,458                         874
<SECURITIES-GAINS>                    1,459                          13
<EXPENSE-OTHER>                      37,577                      11,612
<INCOME-PRETAX>                      25,764                       5,027
<INCOME-PRE-EXTRAORDINARY>           25,764                       5,027
<EXTRAORDINARY>                           0                           0
<CHANGES>                                 0                           0
<NET-INCOME>                         16,584                       3,405
<EPS-PRIMARY>                          1.28<F1>                    0.26<F1>
<EPS-DILUTED>                          1.24                        0.25
<YIELD-ACTUAL>                         4.22                        4.22
<LOANS-NON>                           2,141                       2,141
<LOANS-PAST>                          3,997                       3,997
<LOANS-TROUBLED>                          0                           0
<LOANS-PROBLEM>                           0                           0
<ALLOWANCE-OPEN>                     10,890                      13,399
<CHARGE-OFFS>                         3,042                         871
<RECOVERIES>                          1,289                         398
<ALLOWANCE-CLOSE>                    13,800                      13,800
<ALLOWANCE-DOMESTIC>                 13,800                      13,800
<ALLOWANCE-FOREIGN>                       0                           0
<ALLOWANCE-UNALLOCATED>                   0                           0
        
<FN>
<F1> EPS-BASIC
</FN>