<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                          Dec-31-1997
<PERIOD-END>                               Dec-31-1997
<CASH>                                                    0
<INT-BEARING-DEPOSITS>                               12,626
<FED-FUNDS-SOLD>                                     11,840
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                       1,102,782
<INVESTMENTS-CARRYING>                               96,412
<INVESTMENTS-MARKET>                                 97,545
<LOANS>                                             913,984
<ALLOWANCE>                                           8,614
<TOTAL-ASSETS>                                    2,207,059
<DEPOSITS>                                        1,146,238
<SHORT-TERM>                                        351,838
<LIABILITIES-OTHER>                                  27,809
<LONG-TERM>                                         502,140
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                338
<OTHER-SE>                                          178,696
<TOTAL-LIABILITIES-AND-EQUITY>                    2,207,059
<INTEREST-LOAN>                                      70,138
<INTEREST-INVEST>                                    70,929
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                    141,067
<INTEREST-DEPOSIT>                                   54,383
<INTEREST-EXPENSE>                                   93,085
<INTEREST-INCOME-NET>                                47,982
<LOAN-LOSSES>                                           610
<SECURITIES-GAINS>                                    4,057
<EXPENSE-OTHER>                                      35,848
<INCOME-PRETAX>                                      26,083
<INCOME-PRE-EXTRAORDINARY>                           26,083
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                         17,771
<EPS-PRIMARY>                                           .53
<EPS-DILUTED>                                           .52
<YIELD-ACTUAL>                                         7.35
<LOANS-NON>                                           6,938
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                      12,400
<ALLOWANCE-OPEN>                                      8,322
<CHARGE-OFFS>                                           368
<RECOVERIES>                                             50
<ALLOWANCE-CLOSE>                                     8,614
<ALLOWANCE-DOMESTIC>                                  8,614
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                               2,889


</TABLE>