<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 57,081 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 593,085 <INVESTMENTS-CARRYING> 9,040 <INVESTMENTS-MARKET> 9,116 <LOANS> 909,448 <ALLOWANCE> 12,441 <TOTAL-ASSETS> 1,659,357 <DEPOSITS> 1,402,905 <SHORT-TERM> 2,000 <LIABILITIES-OTHER> 17,048 <LONG-TERM> 80,000 <COMMON> 7,622 <PREFERRED-MANDATORY> 29,809 <PREFERRED> 0 <OTHER-SE> 119,975 <TOTAL-LIABILITIES-AND-EQUITY> 1,659,357 <INTEREST-LOAN> 61,552 <INTEREST-INVEST> 31,568 <INTEREST-OTHER> 278 <INTEREST-TOTAL> 93,398 <INTEREST-DEPOSIT> 38,063 <INTEREST-EXPENSE> 44,793 <INTEREST-INCOME-NET> 48,604 <LOAN-LOSSES> 3,851 <SECURITIES-GAINS> 1,398 <EXPENSE-OTHER> 38,818 <INCOME-PRETAX> 18,499 <INCOME-PRE-EXTRAORDINARY> 11,762 <EXTRAORDINARY> 0 <CHANGES> 194 <NET-INCOME> 11,956 <EPS-PRIMARY> 1.57 <EPS-DILUTED> 1.54 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0