<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> DEC-31-1997 <CASH> 116,087,000 <INT-BEARING-DEPOSITS> 8,725,000 <FED-FUNDS-SOLD> 56,052,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 595,520,000 <INVESTMENTS-CARRYING> 231,311,000 <INVESTMENTS-MARKET> 234,329,000 <LOANS> 2,619,840,000 <ALLOWANCE> 30,455,000 <TOTAL-ASSETS> 3,726,359,000 <DEPOSITS> 2,925,349,000 <SHORT-TERM> 390,679,000 <LIABILITIES-OTHER> 49,162,000 <LONG-TERM> 5,695,000 <COMMON> 97,683,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 257,791,000 <TOTAL-LIABILITIES-AND-EQUITY> 3,726,359,000 <INTEREST-LOAN> 204,453,000 <INTEREST-INVEST> 49,281,000 <INTEREST-OTHER> 1,024,000 <INTEREST-TOTAL> 254,758,000 <INTEREST-DEPOSIT> 102,682,000 <INTEREST-EXPENSE> 117,060,000 <INTEREST-INCOME-NET> 137,698,000 <LOAN-LOSSES> 3,120,000 <SECURITIES-GAINS> 42,000 <EXPENSE-OTHER> 96,757,000 <INCOME-PRETAX> 74,197,000 <INCOME-PRE-EXTRAORDINARY> 74,197,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 49,019,000 <EPS-PRIMARY> 1.27 <EPS-DILUTED> 1.25 <YIELD-ACTUAL> 4.51 <LOANS-NON> 5,202,000 <LOANS-PAST> 12,181,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 27,942,000 <CHARGE-OFFS> 4,078,000 <RECOVERIES> 776,000 <ALLOWANCE-CLOSE> 30,455,000 <ALLOWANCE-DOMESTIC> 15,360,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 15,095,000