<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
         THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
         CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AT DECEMBER 31, 1997 AND
         THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED 31, 1997
         AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
         STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                1
<CASH>                                         49,362
<INT-BEARING-DEPOSITS>                         873
<FED-FUNDS-SOLD>                               76,038
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    159,928
<INVESTMENTS-CARRYING>                         213,060
<INVESTMENTS-MARKET>                           214,555
<LOANS>                                        929,410
<ALLOWANCE>                                    11,999
<TOTAL-ASSETS>                                 1,515,006
<DEPOSITS>                                     1,302,217
<SHORT-TERM>                                   56,167
<LIABILITIES-OTHER>                            9,143
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       201
<OTHER-SE>                                     145,930
<TOTAL-LIABILITIES-AND-EQUITY>                 1,515,006
<INTEREST-LOAN>                                88,823
<INTEREST-INVEST>                              20,439
<INTEREST-OTHER>                               4,239
<INTEREST-TOTAL>                               114,501
<INTEREST-DEPOSIT>                             48,088
<INTEREST-EXPENSE>                             50,974
<INTEREST-INCOME-NET>                          63,527
<LOAN-LOSSES>                                  5,566
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                52,589
<INCOME-PRETAX>                                29,145
<INCOME-PRE-EXTRAORDINARY>                     29,145
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   18,340
<EPS-PRIMARY>                                  0.96
<EPS-DILUTED>                                  0.96
<YIELD-ACTUAL>                                 8.22
<LOANS-NON>                                    5,863
<LOANS-PAST>                                   451
<LOANS-TROUBLED>                               371
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               11,578
<CHARGE-OFFS>                                  6,515
<RECOVERIES>                                   1,370
<ALLOWANCE-CLOSE>                              11,999
<ALLOWANCE-DOMESTIC>                           8,737
<ALLOWANCE-FOREIGN>                            656
<ALLOWANCE-UNALLOCATED>                        2,606
        


</TABLE>