<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 47,227 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,630 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 569,687 <INVESTMENTS-MARKET> 569,687 <LOANS> 1,089,612 <ALLOWANCE> 16,348 <TOTAL-ASSETS> 1,761,798 <DEPOSITS> 1,255,579 <SHORT-TERM> 221,772 <LIABILITIES-OTHER> 18,963 <LONG-TERM> 77,801 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 186,780 <TOTAL-LIABILITIES-AND-EQUITY> 1,761,798 <INTEREST-LOAN> 69,577 <INTEREST-INVEST> 26,047 <INTEREST-OTHER> 550 <INTEREST-TOTAL> 96,174 <INTEREST-DEPOSIT> 37,855 <INTEREST-EXPENSE> 49,427 <INTEREST-INCOME-NET> 46,747 <LOAN-LOSSES> 4,301 <SECURITIES-GAINS> 773 <EXPENSE-OTHER> 31,624 <INCOME-PRETAX> 18,692 <INCOME-PRE-EXTRAORDINARY> 13,530 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,350 <EPS-PRIMARY> 1.87 <EPS-DILUTED> 1.87 <YIELD-ACTUAL> 4.14 <LOANS-NON> 4,083 <LOANS-PAST> 5,599 <LOANS-TROUBLED> 16 <LOANS-PROBLEM> 513 <ALLOWANCE-OPEN> 14,473 <CHARGE-OFFS> 917 <RECOVERIES> 3,343 <ALLOWANCE-CLOSE> 16,348 <ALLOWANCE-DOMESTIC> 16,348 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0