<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
FINANCIAL STATEMENTS DATED DECEMBER 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          21,586
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,537
<INVESTMENTS-CARRYING>                         129,363
<INVESTMENTS-MARKET>                           130,947
<LOANS>                                        978,823
<ALLOWANCE>                                     12,521
<TOTAL-ASSETS>                               1,322,745
<DEPOSITS>                                     946,982
<SHORT-TERM>                                    10,171
<LIABILITIES-OTHER>                              9,952
<LONG-TERM>                                    248,561
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           517
<OTHER-SE>                                     106,562
<TOTAL-LIABILITIES-AND-EQUITY>               1,322,745
<INTEREST-LOAN>                                 70,861
<INTEREST-INVEST>                               19,891
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                90,752
<INTEREST-DEPOSIT>                              38,251
<INTEREST-EXPENSE>                              52,047
<INTEREST-INCOME-NET>                           38,705
<LOAN-LOSSES>                                      983
<SECURITIES-GAINS>                                 422
<EXPENSE-OTHER>                                 21,986
<INCOME-PRETAX>                                 20,494
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,206
<EPS-PRIMARY>                                     2.57
<EPS-DILUTED>                                     2.49
<YIELD-ACTUAL>                                    3.22
<LOANS-NON>                                      7,849
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,372
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,229
<CHARGE-OFFS>                                    1,804
<RECOVERIES>                                     1,113
<ALLOWANCE-CLOSE>                               12,521
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>