<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          35,085
<INT-BEARING-DEPOSITS>                           3,855
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    661,491
<INVESTMENTS-CARRYING>                         508,142
<INVESTMENTS-MARKET>                           516,452
<LOANS>                                      1,066,321
<ALLOWANCE>                                     10,725
<TOTAL-ASSETS>                               2,377,081
<DEPOSITS>                                   1,176,291
<SHORT-TERM>                                   230,408
<LIABILITIES-OTHER>                            819,441
<LONG-TERM>                                      9,271
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        43,375
<OTHER-SE>                                      98,295
<TOTAL-LIABILITIES-AND-EQUITY>               2,377,081
<INTEREST-LOAN>                                 86,979
<INTEREST-INVEST>                               71,857
<INTEREST-OTHER>                                   122
<INTEREST-TOTAL>                               158,958
<INTEREST-DEPOSIT>                              40,891
<INTEREST-EXPENSE>                              93,728
<INTEREST-INCOME-NET>                           65,230
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                               2,267
<EXPENSE-OTHER>                                 59,520
<INCOME-PRETAX>                                 28,799
<INCOME-PRE-EXTRAORDINARY>                      28,799
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    21,144
<EPS-PRIMARY>                                     1.51
<EPS-DILUTED>                                     1.48
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                      5,206
<LOANS-PAST>                                     1,579
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,113
<CHARGE-OFFS>                                    2,518
<RECOVERIES>                                       530
<ALLOWANCE-CLOSE>                               10,725
<ALLOWANCE-DOMESTIC>                            10,725
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,663