<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE INTERIM
FINANCIAL STATEMENTS OF THE REGISTRANT 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-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          85,246
<INT-BEARING-DEPOSITS>                              44
<FED-FUNDS-SOLD>                                96,640
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    359,989
<INVESTMENTS-CARRYING>                          41,144
<INVESTMENTS-MARKET>                            42,017
<LOANS>                                        976,100
<ALLOWANCE>                                     13,888
<TOTAL-ASSETS>                               1,634,288
<DEPOSITS>                                   1,419,172
<SHORT-TERM>                                    22,386
<LIABILITIES-OTHER>                             11,549
<LONG-TERM>                                     36,598
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,764
<OTHER-SE>                                     137,819
<TOTAL-LIABILITIES-AND-EQUITY>               1,634,288
<INTEREST-LOAN>                                 68,963
<INTEREST-INVEST>                               18,045
<INTEREST-OTHER>                                 2,569
<INTEREST-TOTAL>                                89,577
<INTEREST-DEPOSIT>                              35,290
<INTEREST-EXPENSE>                              38,441
<INTEREST-INCOME-NET>                           51,136
<LOAN-LOSSES>                                    1,485
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 43,956
<INCOME-PRETAX>                                 20,505
<INCOME-PRE-EXTRAORDINARY>                      12,842
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,842
<EPS-PRIMARY>                                     1.90
<EPS-DILUTED>                                     1.83
<YIELD-ACTUAL>                                    4.83
<LOANS-NON>                                      3,538
<LOANS-PAST>                                       855
<LOANS-TROUBLED>                                   478
<LOANS-PROBLEM>                                 17,238
<ALLOWANCE-OPEN>                                12,991
<CHARGE-OFFS>                                    1,328
<RECOVERIES>                                       713
<ALLOWANCE-CLOSE>                               13,888
<ALLOWANCE-DOMESTIC>                            13,888
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         12,368