<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SEPTEMBER
30, 1998, CONSOLIDATED BALANCE SHEET, AND THE SEPTEMBER 30, 1998, CONSOLIDATED
STATEMENT OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          78,146
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    639,798
<INVESTMENTS-CARRYING>                          56,779
<INVESTMENTS-MARKET>                            59,021
<LOANS>                                        635,361
<ALLOWANCE>                                     13,362
<TOTAL-ASSETS>                               1,441,617
<DEPOSITS>                                   1,123,815
<SHORT-TERM>                                   175,000
<LIABILITIES-OTHER>                             27,791
<LONG-TERM>                                        409
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,302
<OTHER-SE>                                      52,300
<TOTAL-LIABILITIES-AND-EQUITY>               1,441,617
<INTEREST-LOAN>                                 45,288
<INTEREST-INVEST>                               25,787
<INTEREST-OTHER>                                   462
<INTEREST-TOTAL>                                71,537
<INTEREST-DEPOSIT>                              17,976
<INTEREST-EXPENSE>                              22,991
<INTEREST-INCOME-NET>                           48,546
<LOAN-LOSSES>                                    1,900
<SECURITIES-GAINS>                                 224
<EXPENSE-OTHER>                                 33,781
<INCOME-PRETAX>                                 24,004
<INCOME-PRE-EXTRAORDINARY>                      15,124
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,124
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     0.96
<YIELD-ACTUAL>                                    5.47
<LOANS-NON>                                      4,315
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,522
<CHARGE-OFFS>                                      329
<RECOVERIES>                                       269
<ALLOWANCE-CLOSE>                               13,362
<ALLOWANCE-DOMESTIC>                             8,525
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,837