<ARTICLE>                                                9                  
<MULTIPLIER>                                         1,000
       
                                                 
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   MAR-31-1997
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<LONG-TERM>                                              0
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<INTEREST-EXPENSE>                                   5,383
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<LOAN-LOSSES>                                           51
<SECURITIES-GAINS>                                       0
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<ALLOWANCE-FOREIGN>                                      0
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