<TABLE> <S> <C>

<ARTICLE>                  9
<MULTIPLIER>               1,000
       
<S>                                         <C>
<PERIOD-TYPE>                               YEAR
<FISCAL-YEAR-END>                                          DEC-31-1997
<PERIOD-END>                                               JUN-30-1998
<CASH>                                                          14,702
<INT-BEARING-DEPOSITS>                                          28,632
<FED-FUNDS-SOLD>                                                     0
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                  1,262,180
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                        951,424
<ALLOWANCE>                                                      9,264
<TOTAL-ASSETS>                                               2,325,602
<DEPOSITS>                                                   1,126,150
<SHORT-TERM>                                                   272,441
<LIABILITIES-OTHER>                                             49,336
<LONG-TERM>                                                    688,847
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                           340
<OTHER-SE>                                                     188,488
<TOTAL-LIABILITIES-AND-EQUITY>                               2,325,602
<INTEREST-LOAN>                                                 38,956
<INTEREST-INVEST>                                               41,553
<INTEREST-OTHER>                                                     0
<INTEREST-TOTAL>                                                80,509
<INTEREST-DEPOSIT>                                              25,602
<INTEREST-EXPENSE>                                              52,351
<INTEREST-INCOME-NET>                                           28,158
<LOAN-LOSSES>                                                    1,400
<SECURITIES-GAINS>                                               2,970
<EXPENSE-OTHER>                                                 20,222
<INCOME-PRETAX>                                                 14,516
<INCOME-PRE-EXTRAORDINARY>                                      14,516
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                    10,224
<EPS-PRIMARY>                                                      .30
<EPS-DILUTED>                                                      .30
<YIELD-ACTUAL>                                                    7.47
<LOANS-NON>                                                      7,878
<LOANS-PAST>                                                         0
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                  8,947
<ALLOWANCE-OPEN>                                                 9,048
<CHARGE-OFFS>                                                      362
<RECOVERIES>                                                         8
<ALLOWANCE-CLOSE>                                                9,264
<ALLOWANCE-DOMESTIC>                                             5,193
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                          4,071
        

</TABLE>