<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         161,236
<INT-BEARING-DEPOSITS>                             779
<FED-FUNDS-SOLD>                                11,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,650,283
<INVESTMENTS-CARRYING>                           2,584
<INVESTMENTS-MARKET>                             2,579
<LOANS>                                      1,445,309
<ALLOWANCE>                                     25,138
<TOTAL-ASSETS>                               4,500,075
<DEPOSITS>                                   3,289,752
<SHORT-TERM>                                   366,000
<LIABILITIES-OTHER>                             40,832
<LONG-TERM>                                    100,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,352
<OTHER-SE>                                     340,340
<TOTAL-LIABILITIES-AND-EQUITY>               4,500,075
<INTEREST-LOAN>                                 34,976
<INTEREST-INVEST>                               43,333
<INTEREST-OTHER>                                   120
<INTEREST-TOTAL>                                78,429
<INTEREST-DEPOSIT>                              31,701
<INTEREST-EXPENSE>                              42,759
<INTEREST-INCOME-NET>                           35,670
<LOAN-LOSSES>                                    2,126
<SECURITIES-GAINS>                                 403
<EXPENSE-OTHER>                                 24,017
<INCOME-PRETAX>                                 20,095
<INCOME-PRE-EXTRAORDINARY>                      20,095
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,598
<EPS-PRIMARY>                                     1.21
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0