<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      12-mos
<FISCAL-YEAR-END>                                  Dec-31-1997
<PERIOD-END>                                       Dec-31-1997
<CASH>                                                      49623
<INT-BEARING-DEPOSITS>                                        799
<FED-FUNDS-SOLD>                                            92200
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                243487
<INVESTMENTS-CARRYING>                                        682
<INVESTMENTS-MARKET>                                          699
<LOANS>                                                    909725
<ALLOWANCE>                                                 12769
<TOTAL-ASSETS>                                            1328624
<DEPOSITS>                                                 933630
<SHORT-TERM>                                               150000
<LIABILITIES-OTHER>                                         13928
<LONG-TERM>                                                 57300
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                     5001
<OTHER-SE>                                                  97854
<TOTAL-LIABILITIES-AND-EQUITY>                            1328624
<INTEREST-LOAN>                                             79292
<INTEREST-INVEST>                                           11113
<INTEREST-OTHER>                                             3731
<INTEREST-TOTAL>                                            94136
<INTEREST-DEPOSIT>                                          31622
<INTEREST-EXPENSE>                                          45140
<INTEREST-INCOME-NET>                                       48996
<LOAN-LOSSES>                                                3600
<SECURITIES-GAINS>                                            515
<EXPENSE-OTHER>                                             36607
<INCOME-PRETAX>                                             18438
<INCOME-PRE-EXTRAORDINARY>                                  12437
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                12437
<EPS-PRIMARY>                                                2.50
<EPS-DILUTED>                                                2.33
<YIELD-ACTUAL>                                               4.51
<LOANS-NON>                                                  9361
<LOANS-PAST>                                                 5452
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            13734
<CHARGE-OFFS>                                                5832
<RECOVERIES>                                                 1267
<ALLOWANCE-CLOSE>                                           12769
<ALLOWANCE-DOMESTIC>                                        12769
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0


</TABLE>