<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          77,751
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               128,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    721,490
<INVESTMENTS-CARRYING>                          78,609
<INVESTMENTS-MARKET>                            79,901
<LOANS>                                      2,843,764
<ALLOWANCE>                                     29,751
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<DEPOSITS>                                   3,539,650
<SHORT-TERM>                                    22,397
<LIABILITIES-OTHER>                            150,492
<LONG-TERM>                                     10,061
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                     366,671
<TOTAL-LIABILITIES-AND-EQUITY>               4,089,428
<INTEREST-LOAN>                                 57,893
<INTEREST-INVEST>                               13,210
<INTEREST-OTHER>                                 1,998
<INTEREST-TOTAL>                                73,101
<INTEREST-DEPOSIT>                              35,074
<INTEREST-EXPENSE>                              35,641
<INTEREST-INCOME-NET>                           37,460
<LOAN-LOSSES>                                    1,800
<SECURITIES-GAINS>                                  93
<EXPENSE-OTHER>                                 24,792
<INCOME-PRETAX>                                 15,713
<INCOME-PRE-EXTRAORDINARY>                       9,807
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,807
<EPS-PRIMARY>                                     0.76<F1>
<EPS-DILUTED>                                     0.71
<YIELD-ACTUAL>                                    3.89
<LOANS-NON>                                     25,116
<LOANS-PAST>                                     8,054
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                29,117
<CHARGE-OFFS>                                    1,384
<RECOVERIES>                                       218
<ALLOWANCE-CLOSE>                               29,751
<ALLOWANCE-DOMESTIC>                            19,890
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,861
<FN>
<F1>EPS PRIMARY TAG REPRESENTS EPS BASIC
</FN>