<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       
                                                       
<PERIOD-TYPE>                                  3-MOS         YEAR
<FISCAL-YEAR-END>                              DEC-31-1997   DEC-31-1997
<PERIOD-START>                                 OCT-01-1997   JAN-01-1997
<PERIOD-END>                                   DEC-31-1997   DEC-31-1997
<CASH>                                         73,326        73,326
<INT-BEARING-DEPOSITS>                         34,703        34,703
<FED-FUNDS-SOLD>                               0             0
<TRADING-ASSETS>                               2,349         2,349
<INVESTMENTS-HELD-FOR-SALE>                    262,329       262,329
<INVESTMENTS-CARRYING>                         33,855        33,855
<INVESTMENTS-MARKET>                           34,494        34,494
<LOANS>                                        1,602,415     1,602,415
<ALLOWANCE>                                    16,211        16,211
<TOTAL-ASSETS>                                 2,156,346     2,156,346
<DEPOSITS>                                     1,746,542     1,746,542
<SHORT-TERM>                                   139,739       139,739
<LIABILITIES-OTHER>                            29,287        29,287
<LONG-TERM>                                    39,119        39,119
<PREFERRED-MANDATORY>                          0             0
<PREFERRED>                                    0             0
<COMMON>                                       15,659        15,659
<OTHER-SE>                                     186,000       186,000
<TOTAL-LIABILITIES-AND-EQUITY>                 2,156,346     2,156,346
<INTEREST-LOAN>                                34,060        120,385
<INTEREST-INVEST>                              4,046         14,270
<INTEREST-OTHER>                               339           1,051
<INTEREST-TOTAL>                               38,445        135,706
<INTEREST-DEPOSIT>                             16,844        56,920
<INTEREST-EXPENSE>                             20,004        69,000
<INTEREST-INCOME-NET>                          18,441        66,706
<LOAN-LOSSES>                                  2,043         11,646
<SECURITIES-GAINS>                             558           3,011
<EXPENSE-OTHER>                                13,965        52,243
<INCOME-PRETAX>                                6,826         22,432
<INCOME-PRE-EXTRAORDINARY>                     4,324         14,340
<EXTRAORDINARY>                                0             0
<CHANGES>                                      0             0
<NET-INCOME>                                   4,324         14,340
<EPS-PRIMARY>                                  0.32          1.19
<EPS-DILUTED>                                  0.32          1.18
<YIELD-ACTUAL>                                 9.34         9.36
<LOANS-NON>                                    1,165         1,165
<LOANS-PAST>                                   4,125         4,125
<LOANS-TROUBLED>                               1,283         1,283
<LOANS-PROBLEM>                                0             0
<ALLOWANCE-OPEN>                               13,925        11,290
<CHARGE-OFFS>                                  2,913         12,119
<RECOVERIES>                                   191           1,186
<ALLOWANCE-CLOSE>                              16,211        16,211
<ALLOWANCE-DOMESTIC>                           16,211        16,211
<ALLOWANCE-FOREIGN>                            0             0
<ALLOWANCE-UNALLOCATED>                        0             0