<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED CONDENSED BALANCE SHEET AND STATEMENT OF INCOME FOR
THE YEAR ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                          32,323
<INT-BEARING-DEPOSITS>                          19,216
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    253,809
<INVESTMENTS-CARRYING>                          70,959
<INVESTMENTS-MARKET>                            71,059
<LOANS>                                      1,006,849
<ALLOWANCE>                                      5,538
<TOTAL-ASSETS>                               1,457,415
<DEPOSITS>                                     981,675
<SHORT-TERM>                                    98,032
<LIABILITIES-OTHER>                             23,762
<LONG-TERM>                                    249,211
<PREFERRED-MANDATORY>                            9,917
<PREFERRED>                                          0
<COMMON>                                         7,070
<OTHER-SE>                                      87,748
<TOTAL-LIABILITIES-AND-EQUITY>               1,457,415
<INTEREST-LOAN>                                 68,481
<INTEREST-INVEST>                               20,974
<INTEREST-OTHER>                                   638
<INTEREST-TOTAL>                                90,093
<INTEREST-DEPOSIT>                              35,522
<INTEREST-EXPENSE>                              59,550
<INTEREST-INCOME-NET>                           30,543
<LOAN-LOSSES>                                      842
<SECURITIES-GAINS>                               1,175
<EXPENSE-OTHER>                                 35,643
<INCOME-PRETAX>                                 23,343
<INCOME-PRE-EXTRAORDINARY>                      14,448
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,448
<EPS-PRIMARY>                                     2.59
<EPS-DILUTED>                                     1.96
<YIELD-ACTUAL>                                    2.62
<LOANS-NON>                                      4,353
<LOANS-PAST>                                       160
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,916
<CHARGE-OFFS>                                      831
<RECOVERIES>                                       100
<ALLOWANCE-CLOSE>                                5,538
<ALLOWANCE-DOMESTIC>                             5,538
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>