<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