<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
             This schedule contains summary financial information extracted from
the consolidated condensed statement of financial condition and the consolidated
condensed statement of income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                             18,307
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       476,665
<INVESTMENTS-CARRYING>                          1,219,300
<INVESTMENTS-MARKET>                            1,245,735
<LOANS>                                         2,062,896
<ALLOWANCE>                                        14,917
<TOTAL-ASSETS>                                  3,843,056
<DEPOSITS>                                      2,202,353
<SHORT-TERM>                                      112,000
<LIABILITIES-OTHER>                               101,154
<LONG-TERM>                                     1,186,578
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              227
<OTHER-SE>                                        240,744
<TOTAL-LIABILITIES-AND-EQUITY>                  3,843,056
<INTEREST-LOAN>                                   140,777
<INTEREST-INVEST>                                 114,635
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                  255,412
<INTEREST-DEPOSIT>                                111,042
<INTEREST-EXPENSE>                                163,766
<INTEREST-INCOME-NET>                              91,646
<LOAN-LOSSES>                                         800
<SECURITIES-GAINS>                                  5,553
<EXPENSE-OTHER>                                    45,813
<INCOME-PRETAX>                                    57,968
<INCOME-PRE-EXTRAORDINARY>                         34,728
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                       34,728
<EPS-PRIMARY>                                        2.11
<EPS-DILUTED>                                        1.96
<YIELD-ACTUAL>                                       2.63
<LOANS-NON>                                        12,450
<LOANS-PAST>                                        1,295
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                   14,370
<CHARGE-OFFS>                                         592
<RECOVERIES>                                          339
<ALLOWANCE-CLOSE>                                  14,917
<ALLOWANCE-DOMESTIC>                               14,917
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>