<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                         105,218
<INT-BEARING-DEPOSITS>                           2,206
<FED-FUNDS-SOLD>                                   633
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,441,593
<INVESTMENTS-CARRYING>                          15,423
<INVESTMENTS-MARKET>                            15,611
<LOANS>                                      1,992,543
<ALLOWANCE>                                     19,908
<TOTAL-ASSETS>                               3,667,690
<DEPOSITS>                                   2,527,043
<SHORT-TERM>                                   647,509
<LIABILITIES-OTHER>                             46,537
<LONG-TERM>                                    159,125
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,152
<OTHER-SE>                                     281,324
<TOTAL-LIABILITIES-AND-EQUITY>               3,667,690
<INTEREST-LOAN>                                164,520
<INTEREST-INVEST>                               93,372
<INTEREST-OTHER>                                 3,615
<INTEREST-TOTAL>                               261,507
<INTEREST-DEPOSIT>                             101,075
<INTEREST-EXPENSE>                             148,960
<INTEREST-INCOME-NET>                          112,547
<LOAN-LOSSES>                                    7,045
<SECURITIES-GAINS>                               4,198
<EXPENSE-OTHER>                                115,628
<INCOME-PRETAX>                                 37,582
<INCOME-PRE-EXTRAORDINARY>                      28,664
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    28,664
<EPS-PRIMARY>                                     1.07
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                     19,491
<LOANS-PAST>                                     3,386
<LOANS-TROUBLED>                                   377
<LOANS-PROBLEM>                                 13,196
<ALLOWANCE-OPEN>                                19,295
<CHARGE-OFFS>                                    7,777
<RECOVERIES>                                     1,345
<ALLOWANCE-CLOSE>                               19,908
<ALLOWANCE-DOMESTIC>                            13,832
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,076
<FN>
All information has been restated to reflect the mergers with First National
Bancorp, Inc. on April 18, 1997, Country Bank Shares Corporation on July 16,
1997, and the three-for-two stock split on September 17, 1997. The mergers were
accounted for as a pooling of interests.
</FN>
        

</TABLE>