<TABLE> <S> <C>

<ARTICLE>     9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheet as of March 31, 1997, consolidated statement of
income for the three months ended March 31, 1997, schedules and other
required disclosures and is qualified in its entirety by reference to the
Company's March 31, 1997 Form 10-Q.
</LEGEND>
<MULTIPLIER>                         1,000
       
<S>                                  <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                        DEC-31-1997
<PERIOD-START>                           JAN-01-1997
<PERIOD-END>                             MAR-31-1997
<CASH>                               $        15,965
<INT-BEARING-DEPOSITS>                         6,776
<FED-FUNDS-SOLD>                               5,000
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                  229,232
<INVESTMENTS-CARRYING>                             0
<INVESTMENTS-MARKET>                               0
<LOANS>                                    1,124,765
<ALLOWANCE>                                    4,983
<TOTAL-ASSETS>                             1,479,745
<DEPOSITS>                                 1,018,615
<SHORT-TERM>                                 242,323
<LIABILITIES-OTHER>                           50,590
<LONG-TERM>                                   47,500
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                      85,230
<OTHER-SE>                                    35,487
<TOTAL-LIABILITIES-AND-EQUITY>             1,479,745
<INTEREST-LOAN>                               21,530
<INTEREST-INVEST>                              3,366
<INTEREST-OTHER>                                 150
<INTEREST-TOTAL>                              25,046
<INTEREST-DEPOSIT>                            11,067
<INTEREST-EXPENSE>                            15,057
<INTEREST-INCOME-NET>                          9,989
<LOAN-LOSSES>                                    297
<SECURITIES-GAINS>                                37
<EXPENSE-OTHER>                               24,153
<INCOME-PRETAX>                                5,875
<INCOME-PRE-EXTRAORDINARY>                     5,875
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   3,956
<EPS-PRIMARY>                                   0.23
<EPS-DILUTED>                                   0.23
<YIELD-ACTUAL>                                  3.13
<LOANS-NON>                                    5,829
<LOANS-PAST>                                     309
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                3,285
<ALLOWANCE-OPEN>                               4,709
<CHARGE-OFFS>                                     55
<RECOVERIES>                                      32
<ALLOWANCE-CLOSE>                              4,983
<ALLOWANCE-DOMESTIC>                           4,176
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                          807
         

</TABLE>