<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                              21,038
<INT-BEARING-DEPOSITS>                              50,012   
<FED-FUNDS-SOLD>                                         0        
<TRADING-ASSETS>                                         0        
<INVESTMENTS-HELD-FOR-SALE>                        970,838  
<INVESTMENTS-CARRYING>                              99,121   
<INVESTMENTS-MARKET>                               100,081  
<LOANS>                                            902,407  
<ALLOWANCE>                                          8,695    
<TOTAL-ASSETS>                                   2,110,299
<DEPOSITS>                                       1,128,191
<SHORT-TERM>                                       333,601  
<LIABILITIES-OTHER>                                 22,782   
<LONG-TERM>                                        452,708  
<PREFERRED-MANDATORY>                                    0     
<PREFERRED>                                              0
<COMMON>                                               338
<OTHER-SE>                                         172,679  
<TOTAL-LIABILITIES-AND-EQUITY>                   2,110,299
<INTEREST-LOAN>                                     53,664   
<INTEREST-INVEST>                                   50,014   
<INTEREST-OTHER>                                         0        
<INTEREST-TOTAL>                                   103,678  
<INTEREST-DEPOSIT>                                  40,883   
<INTEREST-EXPENSE>                                  67,186   
<INTEREST-INCOME-NET>                               36,492   
<LOAN-LOSSES>                                          457      
<SECURITIES-GAINS>                                   3,905    
<EXPENSE-OTHER>                                     24,730   
<INCOME-PRETAX>                                     22,333   
<INCOME-PRE-EXTRAORDINARY>                          22,333   
<EXTRAORDINARY>                                          0     
<CHANGES>                                                0     
<NET-INCOME>                                        15,032
<EPS-PRIMARY>                                          .44   
<EPS-DILUTED>                                          .44   
<YIELD-ACTUAL>                                        7.53 
<LOANS-NON>                                          5,980 
<LOANS-PAST>                                           797   
<LOANS-TROUBLED>                                         0     
<LOANS-PROBLEM>                                     14,793
<ALLOWANCE-OPEN>                                     8,322 
<CHARGE-OFFS>                                          126   
<RECOVERIES>                                            41    
<ALLOWANCE-CLOSE>                                    8,695 
<ALLOWANCE-DOMESTIC>                                 8,695 
<ALLOWANCE-FOREIGN>                                      0     
<ALLOWANCE-UNALLOCATED>                              2,717 
                                               


</TABLE>