<TABLE> <S> <C>


<ARTICLE>                                            9                
<MULTIPLIER>                                      1,000
       
<S>                          <C>              <C>
<PERIOD-TYPE>                   3-MOS          6-MOS 
<FISCAL-YEAR-END>            Dec-31-1997      Dec-31-1997
<PERIOD-START>               APR-01-1997      JAN-01-1997
<PERIOD-END>                 JUN-30-1997      Jun-30-1997
<CASH>                            72,131           72,131                                     
<INT-BEARING-DEPOSITS>                98               98
<FED-FUNDS-SOLD>                       0                0
<TRADING-ASSETS>                       0                0 
<INVESTMENTS-HELD-FOR-SALE>      251,829          251,829
<INVESTMENTS-CARRYING>                 0                0
<INVESTMENTS-MARKET>                   0                0
<LOANS>                        1,553,826        1,553,826
<ALLOWANCE>                       21,016           21,016
<TOTAL-ASSETS>                 1,980,690        1,980,690
<DEPOSITS>                     1,540,749        1,540,749
<SHORT-TERM>                     138,607          138,607
<LIABILITIES-OTHER>               20,812           20,812
<LONG-TERM>                      140,628          140,628
<PREFERRED-MANDATORY>                  0                0
<PREFERRED>                            0                0
<COMMON>                          21,446           21,446
<OTHER-SE>                       118,448          118,488
<TOTAL-LIABILITIES-AND-EQUITY> 1,980,690        1,980,690 
<INTEREST-LOAN>                   35,905           70,742
<INTEREST-INVEST>                  3,597            7,417               
<INTEREST-OTHER>                       2                4
<INTEREST-TOTAL>                  39,504           78,163  
<INTEREST-DEPOSIT>                16,035           31,540    
<INTEREST-EXPENSE>                19,790           39,149    
<INTEREST-INCOME-NET>             19,714           39,014
<LOAN-LOSSES>                      2,900            4,850
<SECURITIES-GAINS>                   (88)             133
<EXPENSE-OTHER>                   17,156           34,195
<INCOME-PRETAX>                    8,833           17,063
<INCOME-PRE-EXTRAORDINARY>         5,862           11,410       
<EXTRAORDINARY>                        0                0            
<CHANGES>                              0                0
<NET-INCOME>                       5,862           11,410   
<EPS-PRIMARY>                        .50              .98
<EPS-DILUTED>                        .50              .97             
<YIELD-ACTUAL>                      4.50             4.47
<LOANS-NON>                        6,186            6,186
<LOANS-PAST>                       2,611            2,611
<LOANS-TROUBLED>                     679              679
<LOANS-PROBLEM>                   24,089           24,089
<ALLOWANCE-OPEN>                  19,010           18,065
<CHARGE-OFFS>                      1,141            2,273
<RECOVERIES>                         247              374
<ALLOWANCE-CLOSE>                 21,016           21,016
<ALLOWANCE-DOMESTIC>              21,016           21,016
<ALLOWANCE-FOREIGN>                    0                0
<ALLOWANCE-UNALLOCATED>                0                0
        


</TABLE>