<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 78,893 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 589,502 <INVESTMENTS-CARRYING> 4,038 <INVESTMENTS-MARKET> 4,103 <LOANS> 917,220 <ALLOWANCE> 12,441 <TOTAL-ASSETS> 1,680,689 <DEPOSITS> 1,378,066 <SHORT-TERM> 64,700 <LIABILITIES-OTHER> 17,947 <LONG-TERM> 70,000 <COMMON> 7,623 <PREFERRED-MANDATORY> 29,810 <PREFERRED> 0 <OTHER-SE> 112,542 <TOTAL-LIABILITIES-AND-EQUITY> 1,680,689 <INTEREST-LOAN> 82,778 <INTEREST-INVEST> 39,862 <INTEREST-OTHER> 298 <INTEREST-TOTAL> 122,938 <INTEREST-DEPOSIT> 49,669 <INTEREST-EXPENSE> 58,543 <INTEREST-INCOME-NET> 64,395 <LOAN-LOSSES> 5,123 <SECURITIES-GAINS> 1,959 <EXPENSE-OTHER> 51,876 <INCOME-PRETAX> 24,436 <INCOME-PRE-EXTRAORDINARY> 15,534 <EXTRAORDINARY> 0 <CHANGES> 194 <NET-INCOME> 15,728 <EPS-PRIMARY> 2.08 <EPS-DILUTED> 2.05 <YIELD-ACTUAL> 4.31 <LOANS-NON> 2,473 <LOANS-PAST> 1,513 <LOANS-TROUBLED> 134 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 12,434 <CHARGE-OFFS> 6,097 <RECOVERIES> 981 <ALLOWANCE-CLOSE> 12,441 <ALLOWANCE-DOMESTIC> 12,441 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,096