<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-1-1998 <PERIOD-END> MAR-31-1998 <CASH> 122,571 <INT-BEARING-DEPOSITS> 4,914 <FED-FUNDS-SOLD> 53,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 386,722 <INVESTMENTS-CARRYING> 386,722 <INVESTMENTS-MARKET> 386,722 <LOANS> 2,817,283 <ALLOWANCE> 40,908 <TOTAL-ASSETS> 4,364,518 <DEPOSITS> 3,723,926 <SHORT-TERM> 34,150 <LIABILITIES-OTHER> 65,044 <LONG-TERM> 171,733 <COMMON> 55,990 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 313,675 <TOTAL-LIABILITIES-AND-EQUITY> 4,364,518 <INTEREST-LOAN> 64,008 <INTEREST-INVEST> 10,303 <INTEREST-OTHER> 6,928 <INTEREST-TOTAL> 73,092 <INTEREST-DEPOSIT> 36,602 <INTEREST-EXPENSE> 39,407 <INTEREST-INCOME-NET> 41,832 <LOAN-LOSSES> 2,921 <SECURITIES-GAINS> 167 <EXPENSE-OTHER> 31,105 <INCOME-PRETAX> 19,460 <INCOME-PRE-EXTRAORDINARY> 19,460 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,001 <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 <ALLOWANCE-UNALLOCATED> 0