<ARTICLE>                     9
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
CONSOLIDATED FINANCIAL STATEMENTS OF FCB FINANCIAL CORPORATION AS OF AND FOR THE
PERIOD ENDED  DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         3010
<INT-BEARING-DEPOSITS>                         20906
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    30427
<INVESTMENTS-CARRYING>                         58678
<INVESTMENTS-MARKET>                           59327
<LOANS>                                        373884
<ALLOWANCE>                                    3839
<TOTAL-ASSETS>                                 525950
<DEPOSITS>                                     329290
<SHORT-TERM>                                   12250
<LIABILITIES-OTHER>                            13955
<LONG-TERM>                                    93600
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       45
<OTHER-SE>                                     76810
<TOTAL-LIABILITIES-AND-EQUITY>                 525950
<INTEREST-LOAN>                                22720
<INTEREST-INVEST>                              4949
<INTEREST-OTHER>                               1406
<INTEREST-TOTAL>                               29075
<INTEREST-DEPOSIT>                             11484
<INTEREST-EXPENSE>                             16015
<INTEREST-INCOME-NET>                          13060
<LOAN-LOSSES>                                  318
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                7295
<INCOME-PRETAX>                                8182
<INCOME-PRE-EXTRAORDINARY>                     8182
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5111
<EPS-PRIMARY>                                  1.37
<EPS-DILUTED>                                  1.34
<YIELD-ACTUAL>                                 3.38
<LOANS-NON>                                    1092
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               3567
<CHARGE-OFFS>                                  52
<RECOVERIES>                                   6
<ALLOWANCE-CLOSE>                              3839
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        3839