<ARTICLE>   9
<PERIOD-TYPE>                                     3-MOS
<FISCAL-YEAR-END>                                 DEC-31-1998
<PERIOD-START>                                    JAN-1-1998
<PERIOD-END>                                      MAR-31-1998
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<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              386,722
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<INVESTMENTS-MARKET>                                     386,722
<LOANS>                                                2,817,283
<ALLOWANCE>                                               40,908
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<DEPOSITS>                                             3,723,926
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<LIABILITIES-OTHER>                                       65,044
<LONG-TERM>                                              171,733
<COMMON>                                                  55,990
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<INTEREST-INVEST>                                         10,303
<INTEREST-OTHER>                                           6,928
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<INTEREST-EXPENSE>                                        39,407
<INTEREST-INCOME-NET>                                     41,832
<LOAN-LOSSES>                                              2,921
<SECURITIES-GAINS>                                           167
<EXPENSE-OTHER>                                           31,105
<INCOME-PRETAX>                                           19,460
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<EXTRAORDINARY>                                                0
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<EPS-PRIMARY>                                                0.58
<EPS-DILUTED>                                                0.58
<YIELD-ACTUAL>                                               4.40
<LOANS-NON>                                                4,352
<LOANS-PAST>                                               6,877
<LOANS-TROUBLED>                                             650
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                          39,877
<CHARGE-OFFS>                                              2,282
<RECOVERIES>                                                 392
<ALLOWANCE-CLOSE>                                         40,908
<ALLOWANCE-DOMESTIC>                                      40,908
<ALLOWANCE-FOREIGN>                                            0
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