<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 43,088 <INT-BEARING-DEPOSITS> 1,552,665 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 889,251 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,310,680 <ALLOWANCE> 13,978 <TOTAL-ASSETS> 2,395,523 <DEPOSITS> 1,722,710 <SHORT-TERM> 127,890 <LIABILITIES-OTHER> 112,600 <LONG-TERM> 312,456 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 100 <OTHER-SE> 119,767 <TOTAL-LIABILITIES-AND-EQUITY> 2,395,523 <INTEREST-LOAN> 99,449 <INTEREST-INVEST> 52,236 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 151,685 <INTEREST-DEPOSIT> 65,785 <INTEREST-EXPENSE> 93,776 <INTEREST-INCOME-NET> 57,909 <LOAN-LOSSES> 2,665 <SECURITIES-GAINS> 2,926 <EXPENSE-OTHER> 77,314 <INCOME-PRETAX> 11,076 <INCOME-PRE-EXTRAORDINARY> 11,076 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,150 <EPS-PRIMARY> 0.95 <EPS-DILUTED> 0.89 <YIELD-ACTUAL> 7.28 <LOANS-NON> 6,528 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,857 <LOANS-PROBLEM> 14,260 <ALLOWANCE-OPEN> 12,528 <CHARGE-OFFS> 2,334 <RECOVERIES> 1,119 <ALLOWANCE-CLOSE> 13,978 <ALLOWANCE-DOMESTIC> 13,978 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0