<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                     108,752,000
<INT-BEARING-DEPOSITS>                          50,000
<FED-FUNDS-SOLD>                             8,200,000
<TRADING-ASSETS>                                     0
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<DEPOSITS>                               2,777,924,000
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<LIABILITIES-OTHER>                         49,800,000
<LONG-TERM>                                  5,867,000
<COMMON>                                    49,147,000
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<INTEREST-DEPOSIT>                          75,094,000
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<LOAN-LOSSES>                                2,173,000
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<INCOME-PRETAX>                             54,986,000
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<EPS-DILUTED>                                     0.93
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