<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000
                                                                       
                                                                            
<PERIOD-TYPE>                                                                        9-MOS
<FISCAL-YEAR-END>                                                              DEC-31-1998
<PERIOD-END>                                                                   SEP-30-1998
<CASH>                                                                              69,624
<INT-BEARING-DEPOSITS>                                                                 204
<FED-FUNDS-SOLD>                                                                    63,427
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                        192,056
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<INVESTMENTS-MARKET>                                                               370,419
<LOANS>                                                                            757,837
<ALLOWANCE>                                                                          9,124
<TOTAL-ASSETS>                                                                   1,526,418
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<SHORT-TERM>                                                                           150
<LIABILITIES-OTHER>                                                                 12,570
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            86,648
<OTHER-SE>                                                                          73,251
<TOTAL-LIABILITIES-AND-EQUITY>                                                   1,526,418
<INTEREST-LOAN>                                                                     50,631
<INTEREST-INVEST>                                                                   25,910
<INTEREST-OTHER>                                                                     3,174
<INTEREST-TOTAL>                                                                    79,715
<INTEREST-DEPOSIT>                                                                  33,061
<INTEREST-EXPENSE>                                                                  33,211
<INTEREST-INCOME-NET>                                                               46,504
<LOAN-LOSSES>                                                                          665
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     36,909
<INCOME-PRETAX>                                                                     24,683
<INCOME-PRE-EXTRAORDINARY>                                                          16,640
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                        16,640
<EPS-PRIMARY>                                                                            1.92
<EPS-DILUTED>                                                                            1.91
<YIELD-ACTUAL>                                                                           4.54
<LOANS-NON>                                                                          2,871
<LOANS-PAST>                                                                           236
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        303
<ALLOWANCE-OPEN>                                                                    10,288
<CHARGE-OFFS>                                                                        2,803
<RECOVERIES>                                                                           974
<ALLOWANCE-CLOSE>                                                                    9,124
<ALLOWANCE-DOMESTIC>                                                                 9,124
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0