<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 115,729,000 <INT-BEARING-DEPOSITS> 314,000 <FED-FUNDS-SOLD> 20,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 481,797,000 <INVESTMENTS-CARRYING> 235,390,000 <INVESTMENTS-MARKET> 237,550,000 <LOANS> 2,289,955,000 <ALLOWANCE> 27,928,000 <TOTAL-ASSETS> 3,219,995,000 <DEPOSITS> 2,614,647,000 <SHORT-TERM> 231,470,000 <LIABILITIES-OTHER> 43,466,000 <LONG-TERM> 6,668,000 <COMMON> 48,986,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 274,758,000 <TOTAL-LIABILITIES-AND-EQUITY> 3,219,995,000 <INTEREST-LOAN> 47,850,000 <INTEREST-INVEST> 10,988,000 <INTEREST-OTHER> 224,000 <INTEREST-TOTAL> 59,062,000 <INTEREST-DEPOSIT> 23,558,000 <INTEREST-EXPENSE> 26,566,000 <INTEREST-INCOME-NET> 32,496,000 <LOAN-LOSSES> 603,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 21,979,000 <INCOME-PRETAX> 17,633,000 <INCOME-PRE-EXTRAORDINARY> 17,633,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,864,000 <EPS-PRIMARY> 0.31 <EPS-DILUTED> 0.30 <YIELD-ACTUAL> 4.58 <LOANS-NON> 7,320,000 <LOANS-PAST> 7,201,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 27,942,000 <CHARGE-OFFS> 714,000 <RECOVERIES> 97,000 <ALLOWANCE-CLOSE> 27,928,000 <ALLOWANCE-DOMESTIC> 13,784,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 14,144,000