<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                           43593
<INT-BEARING-DEPOSITS>                              52
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     534013
<INVESTMENTS-CARRYING>                           25144
<INVESTMENTS-MARKET>                             25891
<LOANS>                                        1366890
<ALLOWANCE>                                      27389
<TOTAL-ASSETS>                                 2040892
<DEPOSITS>                                     1394270
<SHORT-TERM>                                    109029
<LIABILITIES-OTHER>                              52691
<LONG-TERM>                                     240068
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         74285
<OTHER-SE>                                      170549
<TOTAL-LIABILITIES-AND-EQUITY>                 2040892
<INTEREST-LOAN>                                  28702
<INTEREST-INVEST>                                 8484
<INTEREST-OTHER>                                   154
<INTEREST-TOTAL>                                 37340
<INTEREST-DEPOSIT>                               11572
<INTEREST-EXPENSE>                               16260
<INTEREST-INCOME-NET>                            21080
<LOAN-LOSSES>                                     1000
<SECURITIES-GAINS>                                1419
<EXPENSE-OTHER>                                   3857
<INCOME-PRETAX>                                  14540
<INCOME-PRE-EXTRAORDINARY>                       14540
<EXTRAORDINARY>                                      0
<CHANGES>                                         4404
<NET-INCOME>                                     10136
<EPS-PRIMARY>                                      .37
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    4.62
<LOANS-NON>                                       3253
<LOANS-PAST>                                      3253
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 26677
<CHARGE-OFFS>                                      515
<RECOVERIES>                                       227
<ALLOWANCE-CLOSE>                                27389
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0