<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          89,778
<INT-BEARING-DEPOSITS>                           1,175
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<INVESTMENTS-CARRYING>                           2,533
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<DEPOSITS>                                   3,256,130
<SHORT-TERM>                                   899,000
<LIABILITIES-OTHER>                             48,161
<LONG-TERM>                                    100,000
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<INTEREST-LOAN>                                108,222
<INTEREST-INVEST>                              132,644
<INTEREST-OTHER>                                   279
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<INTEREST-DEPOSIT>                              96,197
<INTEREST-EXPENSE>                             133,307
<INTEREST-INCOME-NET>                          107,838
<LOAN-LOSSES>                                    6,373
<SECURITIES-GAINS>                               3,345
<EXPENSE-OTHER>                                 73,456
<INCOME-PRETAX>                                 57,920
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