<TABLE> <S> <C>


<ARTICLE>                                          9         
              
<MULTIPLIER>                                   1,000
       
<S>                               <C>          <C>
<PERIOD-TYPE>                    3-MOS         9-MOS
<FISCAL-YEAR-END>               Dec-31-1997    Dec-31-1997                 
<PERIOD-START>                  JUL-01-1997    JAN-01-1997         
<PERIOD-END>                    SEP-30-1997    SEP-30-1997
<CASH>                             72,419      72,419         
<INT-BEARING-DEPOSITS>                 99          99         
<FED-FUNDS-SOLD>                        0           0    
<TRADING-ASSETS>                        0           0 
<INVESTMENTS-HELD-FOR-SALE>       248,593     248,593        
<INVESTMENTS-CARRYING>                  0           0         
<INVESTMENTS-MARKET>                    0           0    
<LOANS>                         1,593,739   1,593,739             
<ALLOWANCE>                        21,839      21,839       
<TOTAL-ASSETS>                  2,032,146   2,032,146              
<DEPOSITS>                      1,563,334   1,563,334            
<SHORT-TERM>                      151,476     151,476               
<LIABILITIES-OTHER>                32,067      32,067       
<LONG-TERM>                       140,460     140,460
<PREFERRED-MANDATORY>                   0           0   
<PREFERRED>                             0           0
<COMMON>                           21,463      21,463      
<OTHER-SE>                        123,346     123,346          
<TOTAL-LIABILITIES-AND-EQUITY>  2,032,146   2,032,146            
<INTEREST-LOAN>                    37,199     107,941     
<INTEREST-INVEST>                   3,681      11,098             
<INTEREST-OTHER>                        4           8
<INTEREST-TOTAL>                   40,884     119,047
<INTEREST-DEPOSIT>                 16,275      47,815     
<INTEREST-EXPENSE>                 20,541      59,690      
<INTEREST-INCOME-NET>              20,343      59,357            
<LOAN-LOSSES>                       2,650       7,500  
<SECURITIES-GAINS>                   (489)       (356)   
<EXPENSE-OTHER>                    17,467      51,662    
<INCOME-PRETAX>                     9,256      26,319
<INCOME-PRE-EXTRAORDINARY>          6,143      17,553    
<EXTRAORDINARY>                         0           0 
<CHANGES>                               0           0
<NET-INCOME>                        6,143      17,553     
<EPS-PRIMARY>                         .52        1.50
<EPS-DILUTED>                         .52        1.49  
<YIELD-ACTUAL>                       4.48        4.48  
<LOANS-NON>                         8,269       8,269   
<LOANS-PAST>                        3,919       3,919     
<LOANS-TROUBLED>                   12,134      12,134 
<LOANS-PROBLEM>                     5,200       5,200             
<ALLOWANCE-OPEN>                   21,016      18,065       
<CHARGE-OFFS>                       2,098       4,371   
<RECOVERIES>                          271         645
<ALLOWANCE-CLOSE>                  21,839      21,839         
<ALLOWANCE-DOMESTIC>               21,839      21,839      
<ALLOWANCE-FOREIGN>                     0           0
<ALLOWANCE-UNALLOCATED>                 0           0
        



</TABLE>