<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
<S>                                        <C>                <C>               <C>               <C>               <C>        
<PERIOD-TYPE>                                   12-MOS              9-MOS             6-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        JAN-01-1997       JAN-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             31,471            27,519            23,736            18,821
<INT-BEARING-DEPOSITS>                               0                  0                 0                 0                99
<FED-FUNDS-SOLD>                                25,800             17,600            13,900             9,200            10,800
<TRADING-ASSETS>                                     0                  0                 0                 0                 0
<INVESTMENTS-HELD-FOR-SALE>                    243,723            228,826           245,921           206,202           168,756
<INVESTMENTS-CARRYING>                         137,177            122,791           102,299            99,901            81,019
<INVESTMENTS-MARKET>                           383,594            355,182           350,047           306,103           249,775
<LOANS>                                        563,667            545,419           537,949           522,252           503,511
<ALLOWANCE>                                      7,558              7,285             6,945             6,265             5,742
<TOTAL-ASSETS>                               1,023,400            879,196           958,042           891,360           803,451
<DEPOSITS>                                     797,795            798,099           779,128           742,056           682,280
<SHORT-TERM>                                    69,863             59,277            71,459            28,475            29,425
<LIABILITIES-OTHER>                              9,026              6,960             5,303             6,437             4,613
<LONG-TERM>                                     63,940             54,360            44,858            39,996            30,627
<PREFERRED-MANDATORY>                                0                  0                 0                 0                 0
<PREFERRED>                                          0                  0                 0                 0             3,250
<COMMON>                                        62,790             31,686            31,680            31,672            31,634
<OTHER-SE>                                        (151)            28,814            25,614            11,688            21,982
<TOTAL-LIABILITIES-AND-EQUITY>               1,023,400            979,196           958,042           891,360           803,451
<INTEREST-LOAN>                                 47,897             35,430            23,275            11,317            40,652
<INTEREST-INVEST>                               22,418             16,277            10,104             4,636            16,564
<INTEREST-OTHER>                                   597                446               341                 0                 0
<INTEREST-TOTAL>                                70,912             52,153            33,720            15,953            57,216
<INTEREST-DEPOSIT>                              30,521             22,219            14,283             6,760            25,774
<INTEREST-EXPENSE>                              37,106             27,150            17,249             7,950            27,601
<INTEREST-INCOME-NET>                           33,806             25,003            16,471             8,003            29,615
<LOAN-LOSSES>                                    2,320              1,970             1,460               630             2,275
<SECURITIES-GAINS>                               1,004                740               504                (3)              819
<EXPENSE-OTHER>                                 21,388             16,698             1,323             4,899            18,179
<INCOME-PRETAX>                                 14,633             10,710             6,943             3,345            14,188
<INCOME-PRE-EXTRAORDINARY>                      10,402              7,524             4,832             2,332             9,414
<EXTRAORDINARY>                                      0                  0                 0                 0                 0
<CHANGES>                                            0                  0                 0                 0                 0
<NET-INCOME>                                    10,402              7,524             4,832             2,332             9,414
<EPS-PRIMARY>                                      .84                .61               .39               .19               .74
<EPS-DILUTED>                                      .77                .56               .36               .17               .70
<YIELD-ACTUAL>                                       0                  0                 0                 0                 0
<LOANS-NON>                                      5,814              7,560             7,147             7,703             8,090
<LOANS-PAST>                                        97              1,551             2,529                 0                 0
<LOANS-TROUBLED>                                     0                  0                 0                 0                 0
<LOANS-PROBLEM>                                      0                  0                 0                 0                 0
<ALLOWANCE-OPEN>                                 5,742              5,742             5,742             5,742             3,904
<CHARGE-OFFS>                                      669                502               300               107               535
<RECOVERIES>                                       165                 75                43                20                98
<ALLOWANCE-CLOSE>                                7,558              7,285             6,945             5,655             5,742
<ALLOWANCE-DOMESTIC>                             7,558              7,285             6,945             5,655             5,742
<ALLOWANCE-FOREIGN>                                  0                  0                 0                 0                 0
<ALLOWANCE-UNALLOCATED>                              0                  0                 0                 0                 0
        


</TABLE>