<ARTICLE> 9
<CIK> 0000350852
<NAME> 0
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          60,611
<INT-BEARING-DEPOSITS>                             793
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    165,611
<INVESTMENTS-CARRYING>                         115,931
<INVESTMENTS-MARKET>                           115,150
<LOANS>                                      1,428,429
<ALLOWANCE>                                     20,465
<TOTAL-ASSETS>                               1,852,667
<DEPOSITS>                                   1,465,003
<SHORT-TERM>                                    57,949
<LIABILITIES-OTHER>                             16,406
<LONG-TERM>                                     53,463
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,312
<OTHER-SE>                                     107,707
<TOTAL-LIABILITIES-AND-EQUITY>               1,852,667
<INTEREST-LOAN>                                130,256
<INTEREST-INVEST>                               19,311
<INTEREST-OTHER>                                 1,021
<INTEREST-TOTAL>                               150,588
<INTEREST-DEPOSIT>                              62,189
<INTEREST-EXPENSE>                              74,076
<INTEREST-INCOME-NET>                           76,512
<LOAN-LOSSES>                                   11,154
<SECURITIES-GAINS>                                  47
<EXPENSE-OTHER>                                 59,892
<INCOME-PRETAX>                                 23,908
<INCOME-PRE-EXTRAORDINARY>                      15,984
<EXTRAORDINARY>                                  3,085
<CHANGES>                                            0
<NET-INCOME>                                    19,069
<EPS-PRIMARY>                                     1.90
<EPS-DILUTED>                                     1.88
<YIELD-ACTUAL>                                    8.80
<LOANS-NON>                                     12,058
<LOANS-PAST>                                     8,863
<LOANS-TROUBLED>                                   629
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                18,825
<CHARGE-OFFS>                                   12,253
<RECOVERIES>                                     3,317
<ALLOWANCE-CLOSE>                               20,465
<ALLOWANCE-DOMESTIC>                            20,465
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0