<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