<ARTICLE>                                            9
<MULTIPLIER>                                      1000
<CURRENCY>                                   US DOLLAR
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          37,644
<INT-BEARING-DEPOSITS>                             387
<FED-FUNDS-SOLD>                                11,036
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    344,258
<INVESTMENTS-CARRYING>                         108,991
<INVESTMENTS-MARKET>                           110,437
<LOANS>                                        558,547
<ALLOWANCE>                                      7,016
<TOTAL-ASSETS>                               1,121,333
<DEPOSITS>                                     853,011
<SHORT-TERM>                                   144,426
<LIABILITIES-OTHER>                              4,629
<LONG-TERM>                                     14,592
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,862
<OTHER-SE>                                      99,813
<TOTAL-LIABILITIES-AND-EQUITY>               1,121,333
<INTEREST-LOAN>                                 49,658
<INTEREST-INVEST>                               24,317
<INTEREST-OTHER>                                 1,590
<INTEREST-TOTAL>                                75,565
<INTEREST-DEPOSIT>                              28,700
<INTEREST-EXPENSE>                              34,486
<INTEREST-INCOME-NET>                           41,079
<LOAN-LOSSES>                                      986
<SECURITIES-GAINS>                                 637
<EXPENSE-OTHER>                                 29,442
<INCOME-PRETAX>                                 19,783
<INCOME-PRE-EXTRAORDINARY>                      19,783
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,195
<EPS-PRIMARY>                                     1.35
<EPS-DILUTED>                                     1.34
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                        890
<LOANS-PAST>                                     1,764
<LOANS-TROUBLED>                                    18
<LOANS-PROBLEM>                                  7,890
<ALLOWANCE-OPEN>                                 6,391
<CHARGE-OFFS>                                      541
<RECOVERIES>                                       180
<ALLOWANCE-CLOSE>                                7,016
<ALLOWANCE-DOMESTIC>                             2,426
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,590