<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 113,125 <INT-BEARING-DEPOSITS> 2,068 <FED-FUNDS-SOLD> 35,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 163,633 <INVESTMENTS-CARRYING> 916,362 <INVESTMENTS-MARKET> 924,958 <LOANS> 1,220,629 <ALLOWANCE> (21,000) <TOTAL-ASSETS> 2,537,957 <DEPOSITS> 2,062,648 <SHORT-TERM> 170,534 <LIABILITIES-OTHER> 14,923 <LONG-TERM> 1,279 <COMMON> 36,872 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 251,701 <TOTAL-LIABILITIES-AND-EQUITY> 2,537,957 <INTEREST-LOAN> 117,418 <INTEREST-INVEST> 56,316 <INTEREST-OTHER> 10,105 <INTEREST-TOTAL> 183,895 <INTEREST-DEPOSIT> 66,149 <INTEREST-EXPENSE> 71,698 <INTEREST-INCOME-NET> 112,197 <LOAN-LOSSES> 6,399 <SECURITIES-GAINS> 279 <EXPENSE-OTHER> 87,688 <INCOME-PRETAX> 47,976 <INCOME-PRE-EXTRAORDINARY> 47,976 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 30,624 <EPS-PRIMARY> 2.82 <EPS-DILUTED> 2.82 <YIELD-ACTUAL> 5.12 <LOANS-NON> 3,898 <LOANS-PAST> 5,423 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 19,800 <CHARGE-OFFS> 8,213 <RECOVERIES> 2,181 <ALLOWANCE-CLOSE> 21,000 <ALLOWANCE-DOMESTIC> 21,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,100