<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>                                              167,900
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                      7,911
<INVESTMENTS-HELD-FOR-SALE>                       1,315,120
<INVESTMENTS-CARRYING>                              874,032
<INVESTMENTS-MARKET>                                869,815
<LOANS>                                           1,411,289
<ALLOWANCE>                                          21,261
<TOTAL-ASSETS>                                    3,938,967
<DEPOSITS>                                        3,369,404
<SHORT-TERM>                                        223,300
<LIABILITIES-OTHER>                                  12,695
<LONG-TERM>                                          82,808
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                           7,506
<COMMON>                                             25,309
<OTHER-SE>                                          217,945
<TOTAL-LIABILITIES-AND-EQUITY>                    3,938,967
<INTEREST-LOAN>                                     120,028
<INTEREST-INVEST>                                   122,662
<INTEREST-OTHER>                                      1,487
<INTEREST-TOTAL>                                    244,177
<INTEREST-DEPOSIT>                                   87,024
<INTEREST-EXPENSE>                                   97,037
<INTEREST-INCOME-NET>                               147,140
<LOAN-LOSSES>                                         4,668
<SECURITIES-GAINS>                                    2,285
<EXPENSE-OTHER>                                     137,929
<INCOME-PRETAX>                                      61,917
<INCOME-PRE-EXTRAORDINARY>                           61,917
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                         40,325
<EPS-PRIMARY>                                          1.89
<EPS-DILUTED>                                          1.78
<YIELD-ACTUAL>                                         4.55
<LOANS-NON>                                          11,570
<LOANS-PAST>                                            226
<LOANS-TROUBLED>                                         19
<LOANS-PROBLEM>                                      13,061
<ALLOWANCE-OPEN>                                     17,975
<CHARGE-OFFS>                                         2,280
<RECOVERIES>                                            898
<ALLOWANCE-CLOSE>                                    21,261
<ALLOWANCE-DOMESTIC>                                 21,261
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0
        

</TABLE>