<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 109,835 <INT-BEARING-DEPOSITS> 4,949 <FED-FUNDS-SOLD> 15,322 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 495,896 <INVESTMENTS-CARRYING> 103,608 <INVESTMENTS-MARKET> 105,626 <LOANS> 2,264,471 <ALLOWANCE> 31,522 <TOTAL-ASSETS> 3,133,463 <DEPOSITS> 2,553,640 <SHORT-TERM> 188,915 <LIABILITIES-OTHER> 46,858 <LONG-TERM> 71,747 <COMMON> 36,059 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,568 <OTHER-SE> 233,676 <TOTAL-LIABILITIES-AND-EQUITY> 3,133,463 <INTEREST-LOAN> 50,158 <INTEREST-INVEST> 8,782 <INTEREST-OTHER> 684 <INTEREST-TOTAL> 59,624 <INTEREST-DEPOSIT> 23,388 <INTEREST-EXPENSE> 26,403 <INTEREST-INCOME-NET> 33,221 <LOAN-LOSSES> 1,959 <SECURITIES-GAINS> 173 <EXPENSE-OTHER> 27,655 <INCOME-PRETAX> 11,519 <INCOME-PRE-EXTRAORDINARY> 11,519 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,702 <EPS-PRIMARY> .42 <EPS-DILUTED> .40 <YIELD-ACTUAL> 4.72 <LOANS-NON> 10,346 <LOANS-PAST> 2,810 <LOANS-TROUBLED> 1,840 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 31,022 <CHARGE-OFFS> 1,677 <RECOVERIES> 218 <ALLOWANCE-CLOSE> 31,522 <ALLOWANCE-DOMESTIC> 31,522 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0