<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

<S>                                        <C>                <C>               <C>               <C>               <C>
<PERIOD-TYPE>                                   12-MOS              3-MOS             3-MOS             3-MOS            12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997        DEC-31-1997       DEC-31-1997       DEC-31-1997       DEC-31-1996
<PERIOD-START>                             JAN-01-1997        JUL-01-1997       APR-01-1997       JAN-01-1997       JAN-01-1996
<PERIOD-END>                               DEC-31-1997        SEP-30-1997       JUN-30-1997       MAR-31-1997       DEC-31-1996
<CASH>                                          19,622                  0                 0                 0                 0
<INT-BEARING-DEPOSITS>                               0                  0                 0                 0                 0
<FED-FUNDS-SOLD>                                25,800                  0                 0                 0                 0
<TRADING-ASSETS>                                     0                  0                 0                 0                 0
<INVESTMENTS-HELD-FOR-SALE>                    243,723                  0                 0                 0                 0
<INVESTMENTS-CARRYING>                         137,177                  0                 0                 0                 0
<INVESTMENTS-MARKET>                           383,594                  0                 0                 0                 0
<LOANS>                                        563,667                  0                 0                 0                 0
<ALLOWANCE>                                      7,558                  0                 0                 0                 0
<TOTAL-ASSETS>                               1,023,400                  0                 0                 0                 0
<DEPOSITS>                                     797,795                  0                 0                 0                 0
<SHORT-TERM>                                    69,863                  0                 0                 0                 0
<LIABILITIES-OTHER>                              9,026                  0                 0                 0                 0
<LONG-TERM>                                     63,940                  0                 0                 0                 0
<PREFERRED-MANDATORY>                                0                  0                 0                 0                 0
<PREFERRED>                                          0                  0                 0                 0                 0
<COMMON>                                        62,790                  0                 0                 0                 0
<OTHER-SE>                                        (151)                 0                 0                 0                 0
<TOTAL-LIABILITIES-AND-EQUITY>               1,023,400                  0                 0                 0                 0
<INTEREST-LOAN>                                 47,897                  0                 0                 0                 0
<INTEREST-INVEST>                               22,418                  0                 0                 0                 0
<INTEREST-OTHER>                                   597                  0                 0                 0                 0
<INTEREST-TOTAL>                                70,912                  0                 0                 0                 0
<INTEREST-DEPOSIT>                              30,521                  0                 0                 0                 0
<INTEREST-EXPENSE>                              37,106                  0                 0                 0                 0
<INTEREST-INCOME-NET>                           33,806                  0                 0                 0                 0
<LOAN-LOSSES>                                    2,320                  0                 0                 0                 0
<SECURITIES-GAINS>                               1,004                  0                 0                 0                 0
<EXPENSE-OTHER>                                 21,388                  0                 0                 0                 0
<INCOME-PRETAX>                                 14,633                  0                 0                 0                 0
<INCOME-PRE-EXTRAORDINARY>                      10,402                  0                 0                 0                 0
<EXTRAORDINARY>                                      0                  0                 0                 0                 0
<CHANGES>                                            0                  0                 0                 0                 0
<NET-INCOME>                                    10,402                  0                 0                 0                 0
<EPS-PRIMARY>                                      .84                .22               .20               .19               .74
<EPS-DILUTED>                                      .77                .20               .19               .17               .70
<YIELD-ACTUAL>                                       0                  0                 0                 0                 0
<LOANS-NON>                                      5,814                  0                 0                 0                 0
<LOANS-PAST>                                        97                  0                 0                 0                 0
<LOANS-TROUBLED>                                     0                  0                 0                 0                 0
<LOANS-PROBLEM>                                      0                  0                 0                 0                 0
<ALLOWANCE-OPEN>                                 5,742                  0                 0                 0                 0
<CHARGE-OFFS>                                      669                  0                 0                 0                 0
<RECOVERIES>                                       165                  0                 0                 0                 0
<ALLOWANCE-CLOSE>                                7,558                  0                 0                 0                 0
<ALLOWANCE-DOMESTIC>                             7,558                  0                 0                 0                 0
<ALLOWANCE-FOREIGN>                                  0                  0                 0                 0                 0
<ALLOWANCE-UNALLOCATED>                              0                  0                 0                 0                 0



</TABLE>