<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>                                       15,979                        0
<INT-BEARING-DEPOSITS>                        4,584                        0
<FED-FUNDS-SOLD>                                  0                        0
<TRADING-ASSETS>                                  0                        0
<INVESTMENTS-HELD-FOR-SALE>                 177,168                        0
<INVESTMENTS-CARRYING>                      188,115                        0
<INVESTMENTS-MARKET>                        190,230                        0
<LOANS>                                     707,935                        0
<ALLOWANCE>                                   8,381                        0
<TOTAL-ASSETS>                            1,128,579                        0
<DEPOSITS>                                  702,994                        0
<SHORT-TERM>                                262,513                        0
<LIABILITIES-OTHER>                           6,857                        0
<LONG-TERM>                                  46,057                        0
<PREFERRED-MANDATORY>                             0                        0
<PREFERRED>                                       0                        0
<COMMON>                                         67                        0
<OTHER-SE>                                  110,091                        0
<TOTAL-LIABILITIES-AND-EQUITY>            1,128,579                        0
<INTEREST-LOAN>                              14,370                   41,879
<INTEREST-INVEST>                             6,300                   18,242
<INTEREST-OTHER>                                 70                      162
<INTEREST-TOTAL>                             20,740                   60,283
<INTEREST-DEPOSIT>                            7,114                   20,847
<INTEREST-EXPENSE>                           11,824                   33,914
<INTEREST-INCOME-NET>                         8,916                   26,369
<LOAN-LOSSES>                                   250                      700
<SECURITIES-GAINS>                               90                       97
<EXPENSE-OTHER>                               4,540                   13,046
<INCOME-PRETAX>                               4,688                   14,081
<INCOME-PRE-EXTRAORDINARY>                    4,688                   14,081
<EXTRAORDINARY>                                   0                        0
<CHANGES>                                         0                        0
<NET-INCOME>                                  2,949                    8,828
<EPS-PRIMARY>                                   .44                     1.33
<EPS-DILUTED>                                   .43                     1.32
<YIELD-ACTUAL>                                 3.32                     3.36
<LOANS-NON>                                   3,321                    3,321
<LOANS-PAST>                                      0                        0
<LOANS-TROUBLED>                                511                      511
<LOANS-PROBLEM>                                   0                        0
<ALLOWANCE-OPEN>                              8,228                    7,759
<CHARGE-OFFS>                                   116                      156
<RECOVERIES>                                     19                       78
<ALLOWANCE-CLOSE>                             8,381                    8,381
<ALLOWANCE-DOMESTIC>                          8,381                    8,381
<ALLOWANCE-FOREIGN>                               0                        0
<ALLOWANCE-UNALLOCATED>                           0                        0
        


</TABLE>