<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Consolidated Statement of Financial Condition at September 30, 1998 and the Consolidated Statement of Operations for the nine months Ended September 30, 1998 and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 35,049 <INT-BEARING-DEPOSITS> 1,464,609 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 839,570 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,312,586 <ALLOWANCE> 13,791 <TOTAL-ASSETS> 2,322,466 <DEPOSITS> 1,627,832 <SHORT-TERM> 179,678 <LIABILITIES-OTHER> 84,887 <LONG-TERM> 307,533 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 100 <OTHER-SE> 122,436 <TOTAL-LIABILITIES-AND-EQUITY> 2,322,466 <INTEREST-LOAN> 73,060 <INTEREST-INVEST> 38,614 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 111,674 <INTEREST-DEPOSIT> 48,159 <INTEREST-EXPENSE> 69,092 <INTEREST-INCOME-NET> 42,582 <LOAN-LOSSES> 1,990 <SECURITIES-GAINS> 1,591 <EXPENSE-OTHER> 54,089 <INCOME-PRETAX> 7,560 <INCOME-PRE-EXTRAORDINARY> 7,560 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,620 <EPS-PRIMARY> 0.66<F1> <EPS-DILUTED> 0.61 <YIELD-ACTUAL> 7.29 <LOANS-NON> 7,102 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,980 <LOANS-PROBLEM> 18,276 <ALLOWANCE-OPEN> 12,528 <CHARGE-OFFS> 1,767 <RECOVERIES> 1,040 <ALLOWANCE-CLOSE> 13,791 <ALLOWANCE-DOMESTIC> 13,791 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>EPS 1997 1996 Basic: 0.96 0.71 Diluted 0.90 0.68 Per share amendments reflect the 2 - for - 1 stock split effective November 1997. </FN>