
<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1997, CONSOLIDATED BALANCE SHEET, AND THE DECEMBER 31, 1997 CONSOLIDATED
STATEMENT OF EARNINGS 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-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                         107,725
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    434,106
<INVESTMENTS-CARRYING>                          58,044
<INVESTMENTS-MARKET>                            59,658
<LOANS>                                        617,006
<ALLOWANCE>                                     11,522
<TOTAL-ASSETS>                               1,258,769
<DEPOSITS>                                   1,075,695
<SHORT-TERM>                                    49,000
<LIABILITIES-OTHER>                             31,560
<LONG-TERM>                                        429
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,255
<OTHER-SE>                                      39,830
<TOTAL-LIABILITIES-AND-EQUITY>               1,258,769
<INTEREST-LOAN>                                 58,135
<INTEREST-INVEST>                               26,270
<INTEREST-OTHER>                                   250
<INTEREST-TOTAL>                                84,656
<INTEREST-DEPOSIT>                              21,051
<INTEREST-EXPENSE>                              24,976
<INTEREST-INCOME-NET>                           59,680
<LOAN-LOSSES>                                    2,670
<SECURITIES-GAINS>                                  16
<EXPENSE-OTHER>                                 42,890
<INCOME-PRETAX>                                 27,943
<INCOME-PRE-EXTRAORDINARY>                      17,370
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,370
<EPS-PRIMARY>                                     1.16
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    5.93
<LOANS-NON>                                      3,955
<LOANS-PAST>                                       424
<LOANS-TROUBLED>                                 2,092
<LOANS-PROBLEM>                                  1,784
<ALLOWANCE-OPEN>                                12,239
<CHARGE-OFFS>                                    3,606
<RECOVERIES>                                       219
<ALLOWANCE-CLOSE>                               11,522
<ALLOWANCE-DOMESTIC>                             6,526
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,996
        

</TABLE>
